<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:e1a44489-e0bb-46bb-91a6-715fca975728,g:157fe095-b707-42fc-9860-fbd95fdb3a16-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/Cover" xlink:type="simple" xlink:href="uve-20240930.xsd#Cover"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_31da45c3-45e5-4fb7-9bd2-463e12ba0bb1" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_DocumentType_31da45c3-45e5-4fb7-9bd2-463e12ba0bb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentQuarterlyReport_4b3b447c-d045-4b64-87f4-23808e859ff4" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentQuarterlyReport"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_DocumentQuarterlyReport_4b3b447c-d045-4b64-87f4-23808e859ff4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_6940c1ba-cc97-4250-a373-945841cc77ab" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_DocumentPeriodEndDate_6940c1ba-cc97-4250-a373-945841cc77ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_891e794d-1c2f-4312-8a5a-b488c87b6b0e" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentTransitionReport"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_DocumentTransitionReport_891e794d-1c2f-4312-8a5a-b488c87b6b0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_b38a3f1a-9fee-4d7e-8b56-01a9ba7ff6e5" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityFileNumber_b38a3f1a-9fee-4d7e-8b56-01a9ba7ff6e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_68c063d3-98f1-4c55-8721-ccefe4fae394" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityRegistrantName_68c063d3-98f1-4c55-8721-ccefe4fae394" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_3d9011f9-5b68-4ecf-9516-1ecd067e73f5" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityIncorporationStateCountryCode_3d9011f9-5b68-4ecf-9516-1ecd067e73f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_b9dcb3ae-c38c-4c33-8f0a-a89ef2b01ed8" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityTaxIdentificationNumber_b9dcb3ae-c38c-4c33-8f0a-a89ef2b01ed8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_29ac07ba-aa26-4f0d-a95c-8413d7cab18c" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityAddressAddressLine1_29ac07ba-aa26-4f0d-a95c-8413d7cab18c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_b2e1b551-5d7d-4548-b312-7aed6e606105" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityAddressCityOrTown_b2e1b551-5d7d-4548-b312-7aed6e606105" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_71cd392d-a8b2-46e5-a02c-42ca2ead822b" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityAddressStateOrProvince_71cd392d-a8b2-46e5-a02c-42ca2ead822b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_c472d1a0-1a80-42c7-9454-2097d380ec0d" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityAddressPostalZipCode_c472d1a0-1a80-42c7-9454-2097d380ec0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_21fbda9d-a90b-4e4a-93f5-22689855def2" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_CityAreaCode_21fbda9d-a90b-4e4a-93f5-22689855def2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_a023978b-76fa-43ad-8539-f075ca864996" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_LocalPhoneNumber_a023978b-76fa-43ad-8539-f075ca864996" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_54b8f5fd-c72e-462c-acca-964c25c3912c" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_Security12bTitle_54b8f5fd-c72e-462c-acca-964c25c3912c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_6859a836-b7db-4495-9822-76751f3edc37" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_TradingSymbol_6859a836-b7db-4495-9822-76751f3edc37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_c8f143b9-e391-4686-8abb-3e65a8c422e2" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_SecurityExchangeName_c8f143b9-e391-4686-8abb-3e65a8c422e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_81a5f4f3-15eb-40a0-bbe2-06caae1deef8" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCurrentReportingStatus"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityCurrentReportingStatus_81a5f4f3-15eb-40a0-bbe2-06caae1deef8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_3c89f235-55f5-4351-bb4d-04dcd19e4034" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityInteractiveDataCurrent_3c89f235-55f5-4351-bb4d-04dcd19e4034" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_ce57c160-1f2a-4cae-a41a-6aa703604af8" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFilerCategory"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityFilerCategory_ce57c160-1f2a-4cae-a41a-6aa703604af8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_76f737be-47ed-4820-863f-cfdb37432f3a" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntitySmallBusiness"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntitySmallBusiness_76f737be-47ed-4820-863f-cfdb37432f3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_a917d7f0-79c0-4a06-aeec-d2c0dda070a9" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityEmergingGrowthCompany_a917d7f0-79c0-4a06-aeec-d2c0dda070a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_3fe76cca-2cb0-420f-9dd3-71ae92c2b69b" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityShellCompany"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityShellCompany_3fe76cca-2cb0-420f-9dd3-71ae92c2b69b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_7f9189bb-77cb-49fc-9d4a-0ee16753395d" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_7f9189bb-77cb-49fc-9d4a-0ee16753395d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_a0b1c55e-9b04-4cc7-93d6-b04241b6fe42" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_EntityCentralIndexKey_a0b1c55e-9b04-4cc7-93d6-b04241b6fe42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_a45428c1-aa60-44c2-8547-76226eea5633" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_CurrentFiscalYearEndDate_a45428c1-aa60-44c2-8547-76226eea5633" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_9f46b7f4-2621-4428-9510-9fbbf55570bf" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalYearFocus"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_DocumentFiscalYearFocus_9f46b7f4-2621-4428-9510-9fbbf55570bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_5787ae67-4533-4bbc-8819-5dedb5b633f0" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_DocumentFiscalPeriodFocus_5787ae67-4533-4bbc-8819-5dedb5b633f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_59534656-73e6-4b9c-8a70-55f07ede20d6" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_74a82f46-2c7a-4e21-a272-1744651bedd4" xlink:to="loc_dei_AmendmentFlag_59534656-73e6-4b9c-8a70-55f07ede20d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSunaudited" xlink:type="simple" xlink:href="uve-20240930.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETSunaudited"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_b587874e-0de2-47ce-846a-0bf214992227" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_b587874e-0de2-47ce-846a-0bf214992227" xlink:to="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_4463bdd7-f726-465b-914d-db048be0b446" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_4463bdd7-f726-465b-914d-db048be0b446" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_96e6746b-a743-4d65-85e6-20517bec2b76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_96e6746b-a743-4d65-85e6-20517bec2b76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedAtFairValue_c66f265c-fe3d-448b-9b72-cb6addbcf27f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentOwnedAtFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_InvestmentOwnedAtFairValue_c66f265c-fe3d-448b-9b72-cb6addbcf27f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyNet_4b86b584-1749-4b57-bcfb-2219d75e7311" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RealEstateInvestmentPropertyNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_RealEstateInvestmentPropertyNet_4b86b584-1749-4b57-bcfb-2219d75e7311" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_cae0d375-9963-47e7-9894-6b802e2301c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Investments"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_Investments_cae0d375-9963-47e7-9894-6b802e2301c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_cecb355f-ece7-470c-8aa0-cbe05ed0683d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_cecb355f-ece7-470c-8aa0-cbe05ed0683d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_31ca9b14-7eb7-49c3-a750-073381ab184e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_31ca9b14-7eb7-49c3-a750-073381ab184e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidReinsurancePremiums_62cf1360-4835-4e7c-ac7b-e4c646e91e66" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PrepaidReinsurancePremiums"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_PrepaidReinsurancePremiums_62cf1360-4835-4e7c-ac7b-e4c646e91e66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses_a0e193bc-e337-4a79-b109-417cd9b6217f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses_a0e193bc-e337-4a79-b109-417cd9b6217f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsReceivableAtCarryingValue_78ca5a5a-6662-45fc-9159-acd67afde119" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PremiumsReceivableAtCarryingValue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_PremiumsReceivableAtCarryingValue_78ca5a5a-6662-45fc-9159-acd67afde119" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_e0c23b9c-ac01-4870-ada9-3fd7d938f3fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_e0c23b9c-ac01-4870-ada9-3fd7d938f3fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCosts_c9a1a643-efb0-4542-b23c-3ca51f02d9b1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredPolicyAcquisitionCosts"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCosts_c9a1a643-efb0-4542-b23c-3ca51f02d9b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReceivable_cf4fb02d-ce4d-4838-bfe7-98645c460df8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxReceivable"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_IncomeTaxReceivable_cf4fb02d-ce4d-4838-bfe7-98645c460df8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_1674d1fa-e8a3-4d54-bd58-cb5cb8b58c3c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_1674d1fa-e8a3-4d54-bd58-cb5cb8b58c3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_1321dec9-7fb6-4908-bea1-e0cabfda4476" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_OtherAssets_1321dec9-7fb6-4908-bea1-e0cabfda4476" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_fd0e9165-b499-4b32-960c-5b2d8228e06d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_40db0d28-692d-42a2-985b-7e319935e95f" xlink:to="loc_us-gaap_Assets_fd0e9165-b499-4b32-960c-5b2d8228e06d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e75e4438-5089-45f4-aa37-dcf15a2eeb61" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_b587874e-0de2-47ce-846a-0bf214992227" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e75e4438-5089-45f4-aa37-dcf15a2eeb61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e75e4438-5089-45f4-aa37-dcf15a2eeb61" xlink:to="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_7dbfe691-6640-4125-a1ed-9e014d083a40" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_7dbfe691-6640-4125-a1ed-9e014d083a40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnearnedPremiums_d97353b3-6cbc-4e7d-aad6-90a2807c5785" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnearnedPremiums"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:to="loc_us-gaap_UnearnedPremiums_d97353b3-6cbc-4e7d-aad6-90a2807c5785" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositContractsLiabilities_4c8d94c0-4b1f-4fb3-96f3-23ed5669a5a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepositContractsLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:to="loc_us-gaap_DepositContractsLiabilities_4c8d94c0-4b1f-4fb3-96f3-23ed5669a5a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_BookOverdraft_38c126c6-52d6-4111-8747-dd521538efe7" xlink:href="uve-20240930.xsd#uve_BookOverdraft"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:to="loc_uve_BookOverdraft_38c126c6-52d6-4111-8747-dd521538efe7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsurancePayable_18807b2c-c9a6-4ce1-92b6-c853a0414a02" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsurancePayable"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:to="loc_us-gaap_ReinsurancePayable_18807b2c-c9a6-4ce1-92b6-c853a0414a02" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedSalesCommissionCurrent_a2cea5e9-ab40-4318-a52f-7192910bd3ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedSalesCommissionCurrent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:to="loc_us-gaap_AccruedSalesCommissionCurrent_a2cea5e9-ab40-4318-a52f-7192910bd3ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedIncomeTaxes_b11b4996-844b-4923-a613-23da2892e38f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedIncomeTaxes"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:to="loc_us-gaap_AccruedIncomeTaxes_b11b4996-844b-4923-a613-23da2892e38f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_b83fe72a-06e1-4e64-bc7e-88041fde2194" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:to="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_b83fe72a-06e1-4e64-bc7e-88041fde2194" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_87fcaa02-7818-4be5-94b2-2e2333edb617" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:to="loc_us-gaap_LongTermDebt_87fcaa02-7818-4be5-94b2-2e2333edb617" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_1b92c762-aa33-4380-92c0-a39dabe6bfa6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_0e8e3003-1796-449f-9199-8f02ef6d51ab" xlink:to="loc_us-gaap_Liabilities_1b92c762-aa33-4380-92c0-a39dabe6bfa6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_a8d997b5-0c89-4bc3-b1af-df0ef578422e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e75e4438-5089-45f4-aa37-dcf15a2eeb61" xlink:to="loc_us-gaap_CommitmentsAndContingencies_a8d997b5-0c89-4bc3-b1af-df0ef578422e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_2b5301af-942a-4478-8087-1cacccc84503" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e75e4438-5089-45f4-aa37-dcf15a2eeb61" xlink:to="loc_us-gaap_StockholdersEquityAbstract_2b5301af-942a-4478-8087-1cacccc84503" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_35ba7ada-065a-4914-a6ab-c5e4abdfca16" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_2b5301af-942a-4478-8087-1cacccc84503" xlink:to="loc_us-gaap_PreferredStockValue_35ba7ada-065a-4914-a6ab-c5e4abdfca16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_261876fd-d6a6-433b-979a-777ed184a82d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_2b5301af-942a-4478-8087-1cacccc84503" xlink:to="loc_us-gaap_CommonStockValue_261876fd-d6a6-433b-979a-777ed184a82d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_ffb05a40-2a7e-4420-9150-ee7076c27ed6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_2b5301af-942a-4478-8087-1cacccc84503" xlink:to="loc_us-gaap_TreasuryStockCommonValue_ffb05a40-2a7e-4420-9150-ee7076c27ed6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_48d03976-f2a5-4334-8a2f-aac39ff2089a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_2b5301af-942a-4478-8087-1cacccc84503" xlink:to="loc_us-gaap_AdditionalPaidInCapital_48d03976-f2a5-4334-8a2f-aac39ff2089a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_bd253cfa-b54c-4e71-89a7-37620e3e7404" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_2b5301af-942a-4478-8087-1cacccc84503" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_bd253cfa-b54c-4e71-89a7-37620e3e7404" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_19157be6-2ae3-4315-9aa5-a81f8b66970d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_2b5301af-942a-4478-8087-1cacccc84503" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_19157be6-2ae3-4315-9aa5-a81f8b66970d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_c0076a25-1334-446e-92ce-6ca4ff9cca0b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_2b5301af-942a-4478-8087-1cacccc84503" xlink:to="loc_us-gaap_StockholdersEquity_c0076a25-1334-446e-92ce-6ca4ff9cca0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_bf97f3be-48b4-4e49-9666-28e2f79b9590" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e75e4438-5089-45f4-aa37-dcf15a2eeb61" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_bf97f3be-48b4-4e49-9666-28e2f79b9590" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSunauditedParenthetical" xlink:type="simple" xlink:href="uve-20240930.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETSunauditedParenthetical"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSunauditedParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_bcd03cf8-5d5e-45e1-9b37-4f26d08c9774" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_bcd03cf8-5d5e-45e1-9b37-4f26d08c9774" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_04b5f769-9f7e-44d0-a043-1fe2e8db267c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_04b5f769-9f7e-44d0-a043-1fe2e8db267c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCost_9cfc6856-7f05-477b-b383-cf9ce7bb211c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesFvNiCost"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCost_9cfc6856-7f05-477b-b383-cf9ce7bb211c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedAtCost_d445db2f-ecee-4f0b-9252-523b5710ae4f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentOwnedAtCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_InvestmentOwnedAtCost_d445db2f-ecee-4f0b-9252-523b5710ae4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_950b4fea-d515-48a4-9621-38c1e2f539f8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_950b4fea-d515-48a4-9621-38c1e2f539f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_7c73a1a3-3ff0-4aa4-bc34-d40d9680fc82" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_7c73a1a3-3ff0-4aa4-bc34-d40d9680fc82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_48b79215-096c-4b02-ba45-10e19d07b58b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_PreferredStockSharesIssued_48b79215-096c-4b02-ba45-10e19d07b58b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_e029b424-b020-47d6-ad60-1faa313a4234" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_e029b424-b020-47d6-ad60-1faa313a4234" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_789d2ced-5008-4086-89b2-ae5aa6ab1453" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_789d2ced-5008-4086-89b2-ae5aa6ab1453" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_6637dd33-b62c-4fd6-82f2-a6167e68f193" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_6637dd33-b62c-4fd6-82f2-a6167e68f193" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_f53f55d0-9eb4-4cfe-b859-130163db4ad3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_f53f55d0-9eb4-4cfe-b859-130163db4ad3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_13065157-f963-4b94-b57f-f67edefca736" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_CommonStockSharesIssued_13065157-f963-4b94-b57f-f67edefca736" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_eac13cd8-e5a7-4fd5-8026-46ad2925cb07" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_eac13cd8-e5a7-4fd5-8026-46ad2925cb07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_69474bcd-1fa0-4db1-8fd7-1e3d316ef7c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_17f1f77b-1e96-4adc-aa24-5df596013ba8" xlink:to="loc_us-gaap_TreasuryStockCommonShares_69474bcd-1fa0-4db1-8fd7-1e3d316ef7c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFINCOMEunaudited" xlink:type="simple" xlink:href="uve-20240930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFINCOMEunaudited"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFINCOMEunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenuesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsWritten_f3087310-e211-4eca-a154-e05c7d5249ac" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DirectPremiumsWritten"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_DirectPremiumsWritten_f3087310-e211-4eca-a154-e05c7d5249ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiumsNet_4fc8783b-94a3-4412-9fb2-40290909c280" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiumsNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiumsNet_4fc8783b-94a3-4412-9fb2-40290909c280" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsEarned_50574c94-d852-4ce9-996c-f8e149e547c8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DirectPremiumsEarned"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_DirectPremiumsEarned_50574c94-d852-4ce9-996c-f8e149e547c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsEarned_d620db1c-fb9d-453e-9074-399260691591" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CededPremiumsEarned"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_CededPremiumsEarned_d620db1c-fb9d-453e-9074-399260691591" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_14097168-08b5-414f-9f07-b359d9032340" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_PremiumsEarnedNet_14097168-08b5-414f-9f07-b359d9032340" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_e6f9f60a-44d8-456c-99c5-8684a5e32e0a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetInvestmentIncome"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_NetInvestmentIncome_e6f9f60a-44d8-456c-99c5-8684a5e32e0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_105f24e6-ec87-4bc3-a577-218398ceaaec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtAndEquitySecuritiesRealizedGainLoss"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_105f24e6-ec87-4bc3-a577-218398ceaaec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss_0b01f867-ded1-49f6-b017-04ef23a4114f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss_0b01f867-ded1-49f6-b017-04ef23a4114f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceCommissionsAndFees_b317010d-4022-47da-a278-0323ea519ce5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceCommissionsAndFees"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_InsuranceCommissionsAndFees_b317010d-4022-47da-a278-0323ea519ce5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_InsurancePolicyFeesRevenue_3be2f07d-e089-4063-9f76-70ef83f18377" xlink:href="uve-20240930.xsd#uve_InsurancePolicyFeesRevenue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_uve_InsurancePolicyFeesRevenue_3be2f07d-e089-4063-9f76-70ef83f18377" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_581a858c-2b2a-4750-8e0f-b2f914e3e0d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherIncome"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_OtherIncome_581a858c-2b2a-4750-8e0f-b2f914e3e0d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_12d4b210-ebf0-44d7-9020-083bd4448666" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Revenues"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_a4ec36a0-f492-4740-ab0b-cda5542471a1" xlink:to="loc_us-gaap_Revenues_12d4b210-ebf0-44d7-9020-083bd4448666" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpensesAbstract_afa75ee2-0ecd-4d26-adf1-899c14ab6883" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BenefitsLossesAndExpensesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_BenefitsLossesAndExpensesAbstract_afa75ee2-0ecd-4d26-adf1-899c14ab6883" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_ba445cc3-8021-415c-a8bd-01218333da0e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BenefitsLossesAndExpensesAbstract_afa75ee2-0ecd-4d26-adf1-899c14ab6883" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_ba445cc3-8021-415c-a8bd-01218333da0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingGeneralAndAdministrativeExpense_19652754-8c35-482c-be4a-c501bfc11f5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SellingGeneralAndAdministrativeExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BenefitsLossesAndExpensesAbstract_afa75ee2-0ecd-4d26-adf1-899c14ab6883" xlink:to="loc_us-gaap_SellingGeneralAndAdministrativeExpense_19652754-8c35-482c-be4a-c501bfc11f5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_727fbc12-f8de-474f-b581-d8d2792943c8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BenefitsLossesAndExpensesAbstract_afa75ee2-0ecd-4d26-adf1-899c14ab6883" xlink:to="loc_us-gaap_BenefitsLossesAndExpenses_727fbc12-f8de-474f-b581-d8d2792943c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseNonoperating_5222cfb7-b125-454e-80a3-92442caed340" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseNonoperating"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_InterestExpenseNonoperating_5222cfb7-b125-454e-80a3-92442caed340" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_0152f743-3da1-48a7-99ab-6adf921e902a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_0152f743-3da1-48a7-99ab-6adf921e902a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_eb30971e-e110-4f8b-9a19-061f8d042d98" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_eb30971e-e110-4f8b-9a19-061f8d042d98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_0db7e028-e5ce-4dbc-9e94-4fb60ce18412" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_NetIncomeLoss_0db7e028-e5ce-4dbc-9e94-4fb60ce18412" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_a5f1e0ed-8938-4c91-9e7e-85b999be576b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_EarningsPerShareBasic_a5f1e0ed-8938-4c91-9e7e-85b999be576b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_02b31287-4616-4105-980f-c5961e3d293b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_02b31287-4616-4105-980f-c5961e3d293b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_5653c4ad-fdc7-4e37-96b7-9386901b9477" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_EarningsPerShareDiluted_5653c4ad-fdc7-4e37-96b7-9386901b9477" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_0cfbbb1c-4e4b-4133-8c81-8e7bf1b49c9f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_0cfbbb1c-4e4b-4133-8c81-8e7bf1b49c9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared_d4f5776a-8226-419c-8da9-83668802669f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_dcaa2624-3206-4cb1-96fb-ccf8e55063e5" xlink:to="loc_us-gaap_CommonStockDividendsPerShareDeclared_d4f5776a-8226-419c-8da9-83668802669f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEunaudited" xlink:type="simple" xlink:href="uve-20240930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEunaudited"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_8948f6fe-6ba4-4755-89d3-9869f7924210" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_eee39d05-439d-41d1-a126-6ab5d0c025e4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_8948f6fe-6ba4-4755-89d3-9869f7924210" xlink:to="loc_us-gaap_NetIncomeLoss_eee39d05-439d-41d1-a126-6ab5d0c025e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_df54a874-177e-40b3-8e5c-c54e6d6d3751" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_8948f6fe-6ba4-4755-89d3-9869f7924210" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_df54a874-177e-40b3-8e5c-c54e6d6d3751" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_33084bf7-3c7a-4ab9-9c02-bebb0dbb4803" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_8948f6fe-6ba4-4755-89d3-9869f7924210" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTax_33084bf7-3c7a-4ab9-9c02-bebb0dbb4803" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITYunaudited" xlink:type="simple" xlink:href="uve-20240930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITYunaudited"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITYunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_29ad81a1-4864-4aa0-a39f-f5e092d5f470" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_6da85141-b8b9-4dab-94bf-4aa68b4c90e7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_29ad81a1-4864-4aa0-a39f-f5e092d5f470" xlink:to="loc_us-gaap_StatementTable_6da85141-b8b9-4dab-94bf-4aa68b4c90e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_14924919-8b04-431b-b124-85a04dca23d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_6da85141-b8b9-4dab-94bf-4aa68b4c90e7" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_14924919-8b04-431b-b124-85a04dca23d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_cd52e6f2-3bf9-4e0d-ac50-c4d02d5a0d12" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_14924919-8b04-431b-b124-85a04dca23d7" xlink:to="loc_us-gaap_EquityComponentDomain_cd52e6f2-3bf9-4e0d-ac50-c4d02d5a0d12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonMember_64b20680-ca6c-4533-a220-e9e70bf60d83" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_cd52e6f2-3bf9-4e0d-ac50-c4d02d5a0d12" xlink:to="loc_us-gaap_TreasuryStockCommonMember_64b20680-ca6c-4533-a220-e9e70bf60d83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_6e3cc1d8-b7b9-4af8-a321-3176964307cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_cd52e6f2-3bf9-4e0d-ac50-c4d02d5a0d12" xlink:to="loc_us-gaap_CommonStockMember_6e3cc1d8-b7b9-4af8-a321-3176964307cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_545a93f6-59b1-4598-9532-280f1b4e918f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_cd52e6f2-3bf9-4e0d-ac50-c4d02d5a0d12" xlink:to="loc_us-gaap_PreferredStockMember_545a93f6-59b1-4598-9532-280f1b4e918f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_d865ac9a-7b82-483c-834e-96161bfd2b5e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_cd52e6f2-3bf9-4e0d-ac50-c4d02d5a0d12" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_d865ac9a-7b82-483c-834e-96161bfd2b5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_6921ac70-15ea-4866-b06b-ac1d9b12ecc1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_cd52e6f2-3bf9-4e0d-ac50-c4d02d5a0d12" xlink:to="loc_us-gaap_RetainedEarningsMember_6921ac70-15ea-4866-b06b-ac1d9b12ecc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_1b534e19-592d-4348-83ae-d70f182eec75" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_cd52e6f2-3bf9-4e0d-ac50-c4d02d5a0d12" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_1b534e19-592d-4348-83ae-d70f182eec75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_6c854dd6-fabf-47d7-b02e-cda783d65d1e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_6da85141-b8b9-4dab-94bf-4aa68b4c90e7" xlink:to="loc_us-gaap_AwardTypeAxis_6c854dd6-fabf-47d7-b02e-cda783d65d1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_8305c963-c477-45a2-814c-647fefb1b870" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_6c854dd6-fabf-47d7-b02e-cda783d65d1e" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_8305c963-c477-45a2-814c-647fefb1b870" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_9fb07fbe-52d7-4613-9d0e-c4489cf0ae5c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PerformanceSharesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_8305c963-c477-45a2-814c-647fefb1b870" xlink:to="loc_us-gaap_PerformanceSharesMember_9fb07fbe-52d7-4613-9d0e-c4489cf0ae5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_0577c71b-2e48-49d1-90da-113e400f737a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_8305c963-c477-45a2-814c-647fefb1b870" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_0577c71b-2e48-49d1-90da-113e400f737a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_d97b306f-46c4-488c-b545-a01525d948c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_6da85141-b8b9-4dab-94bf-4aa68b4c90e7" xlink:to="loc_us-gaap_StatementLineItems_d97b306f-46c4-488c-b545-a01525d948c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_d97b306f-46c4-488c-b545-a01525d948c2" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_d013e117-8770-41d0-80c6-e97e9d139adf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_TreasuryStockCommonShares_d013e117-8770-41d0-80c6-e97e9d139adf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedPeriodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_81a8d0dc-0f97-4f87-804d-4489169a132b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_CommonStockSharesIssued_81a8d0dc-0f97-4f87-804d-4489169a132b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_ca91cfc5-6914-441b-96fc-e340031a678c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_PreferredStockSharesIssued_ca91cfc5-6914-441b-96fc-e340031a678c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_2c96e134-5914-47db-93e3-19adea3973d7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_StockholdersEquity_2c96e134-5914-47db-93e3-19adea3973d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_57896353-610a-40c0-b776-8824f75680bb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_57896353-610a-40c0-b776-8824f75680bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_1720e8ba-1e66-4220-b8b5-591c93ed597c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_1720e8ba-1e66-4220-b8b5-591c93ed597c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_334f64c2-0d7d-48e3-b3ae-cb7ae3c67ec0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_334f64c2-0d7d-48e3-b3ae-cb7ae3c67ec0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_dc8879fa-7358-41a5-9874-b3440b6254a0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_dc8879fa-7358-41a5-9874-b3440b6254a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_72431ba7-c5ad-4ddb-a0e7-6631df8b75ab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_72431ba7-c5ad-4ddb-a0e7-6631df8b75ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_75ab3e6c-3cf9-4ac0-98fb-2312dbcc4b5a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_75ab3e6c-3cf9-4ac0-98fb-2312dbcc4b5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue_25d4e8a1-76f8-4a9e-9b23-c1068c86da7d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue_25d4e8a1-76f8-4a9e-9b23-c1068c86da7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_a1da4acc-d388-4885-8749-c4febedddfc8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_a1da4acc-d388-4885-8749-c4febedddfc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_f9881232-7d1d-417d-ba62-a5825b28833f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_f9881232-7d1d-417d-ba62-a5825b28833f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_TreasuryStockCommonSharesRetired_1f1f8d1f-e9a8-451e-81f8-4d002f185dd2" xlink:href="uve-20240930.xsd#uve_TreasuryStockCommonSharesRetired"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_uve_TreasuryStockCommonSharesRetired_1f1f8d1f-e9a8-451e-81f8-4d002f185dd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_TreasuryStockCommonRetiredValue_5170ec78-f3e1-4792-ad5e-1923c2c6a2db" xlink:href="uve-20240930.xsd#uve_TreasuryStockCommonRetiredValue"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_uve_TreasuryStockCommonRetiredValue_5170ec78-f3e1-4792-ad5e-1923c2c6a2db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityOther_403c8fa8-bb09-4d31-ba19-143d16c0d380" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityOther"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_StockholdersEquityOther_403c8fa8-bb09-4d31-ba19-143d16c0d380" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_ec8a2622-b293-4ad5-9d06-c512784868e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_NetIncomeLoss_ec8a2622-b293-4ad5-9d06-c512784868e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_f162a56c-5827-4b48-8038-bf68429d8677" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_f162a56c-5827-4b48-8038-bf68429d8677" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCash_12b1160a-a7a6-47f8-9e27-0909d4dbd4cc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DividendsCash"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_DividendsCash_12b1160a-a7a6-47f8-9e27-0909d4dbd4cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_e09b59da-38f4-49ef-bd9f-9490c836e8dc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_TreasuryStockCommonShares_e09b59da-38f4-49ef-bd9f-9490c836e8dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedPeriodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_009a75e9-72eb-4552-8856-38bd96387d3b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_CommonStockSharesIssued_009a75e9-72eb-4552-8856-38bd96387d3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_dc4bf1a6-0bb8-4bfe-bee7-76febbc611c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_PreferredStockSharesIssued_dc4bf1a6-0bb8-4bfe-bee7-76febbc611c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_56f44763-3df2-4182-b7ad-a9a0be45d902" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d2731218-a486-4948-80cc-b99d6284a9bc" xlink:to="loc_us-gaap_StockholdersEquity_56f44763-3df2-4182-b7ad-a9a0be45d902" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITYunauditedParenthetical" xlink:type="simple" xlink:href="uve-20240930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITYunauditedParenthetical"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITYunauditedParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_484e2a27-5dd5-4def-8cdf-786777fee9fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_d0ce3bfa-557f-4ab0-93fd-129e557e78e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_484e2a27-5dd5-4def-8cdf-786777fee9fa" xlink:to="loc_us-gaap_StatementTable_d0ce3bfa-557f-4ab0-93fd-129e557e78e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_5bdbeb1a-fde6-40f0-9373-b324dc0c9ada" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_d0ce3bfa-557f-4ab0-93fd-129e557e78e2" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_5bdbeb1a-fde6-40f0-9373-b324dc0c9ada" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_162fec40-0c44-4e36-abd2-ef2a53f8e3c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_5bdbeb1a-fde6-40f0-9373-b324dc0c9ada" xlink:to="loc_us-gaap_EquityComponentDomain_162fec40-0c44-4e36-abd2-ef2a53f8e3c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_2c417e67-93dc-4c31-b806-1f9cfaa72529" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_162fec40-0c44-4e36-abd2-ef2a53f8e3c2" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_2c417e67-93dc-4c31-b806-1f9cfaa72529" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_087ff814-99d0-4039-a114-86b73e845edd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_d0ce3bfa-557f-4ab0-93fd-129e557e78e2" xlink:to="loc_us-gaap_StatementLineItems_087ff814-99d0-4039-a114-86b73e845edd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared_2b69e077-688c-4d00-8b29-a63475797193" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_087ff814-99d0-4039-a114-86b73e845edd" xlink:to="loc_us-gaap_CommonStockDividendsPerShareDeclared_2b69e077-688c-4d00-8b29-a63475797193" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsPerShareDeclared_3388867d-7951-4b94-b3e3-e021d5e03640" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendsPerShareDeclared"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_087ff814-99d0-4039-a114-86b73e845edd" xlink:to="loc_us-gaap_PreferredStockDividendsPerShareDeclared_3388867d-7951-4b94-b3e3-e021d5e03640" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_APICCashSettlementOfRestrictedShares_78b0c978-7c2f-4024-aa5c-0e0552c58723" xlink:href="uve-20240930.xsd#uve_APICCashSettlementOfRestrictedShares"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_087ff814-99d0-4039-a114-86b73e845edd" xlink:to="loc_uve_APICCashSettlementOfRestrictedShares_78b0c978-7c2f-4024-aa5c-0e0552c58723" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSunaudited" xlink:type="simple" xlink:href="uve-20240930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSunaudited"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_d55a56ec-1b15-406f-94dd-a187ea8d3879" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f474f680-77d8-464a-bb46-84006316d819" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_d55a56ec-1b15-406f-94dd-a187ea8d3879" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f474f680-77d8-464a-bb46-84006316d819" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_398c620e-98ab-4d5b-903b-f6c2ef3765b5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_f474f680-77d8-464a-bb46-84006316d819" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_398c620e-98ab-4d5b-903b-f6c2ef3765b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_722edd26-f35d-4fec-86fb-c3d717e0f787" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_d55a56ec-1b15-406f-94dd-a187ea8d3879" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_722edd26-f35d-4fec-86fb-c3d717e0f787" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfOtherPropertyPlantAndEquipment_28b4f3a5-2447-40ab-be05-72ed9c761f15" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfOtherPropertyPlantAndEquipment"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_722edd26-f35d-4fec-86fb-c3d717e0f787" xlink:to="loc_us-gaap_ProceedsFromSaleOfOtherPropertyPlantAndEquipment_28b4f3a5-2447-40ab-be05-72ed9c761f15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_05b55b3c-9863-405b-91e8-b9b0e91434a9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_722edd26-f35d-4fec-86fb-c3d717e0f787" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_05b55b3c-9863-405b-91e8-b9b0e91434a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquitySecuritiesFvNi_6105f54d-5ef5-4b4b-ba3f-f9d5ac2ac552" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireEquitySecuritiesFvNi"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_722edd26-f35d-4fec-86fb-c3d717e0f787" xlink:to="loc_us-gaap_PaymentsToAcquireEquitySecuritiesFvNi_6105f54d-5ef5-4b4b-ba3f-f9d5ac2ac552" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_f0809ef6-d933-4bfe-8eca-de1a797fb57b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_722edd26-f35d-4fec-86fb-c3d717e0f787" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_f0809ef6-d933-4bfe-8eca-de1a797fb57b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_2185a9f8-9bed-4bce-bf74-f168f31ee1e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_722edd26-f35d-4fec-86fb-c3d717e0f787" xlink:to="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_2185a9f8-9bed-4bce-bf74-f168f31ee1e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_e3cb841d-1152-4a75-af2c-c1ca7c9f3fa8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_722edd26-f35d-4fec-86fb-c3d717e0f787" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_e3cb841d-1152-4a75-af2c-c1ca7c9f3fa8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_c282a9fa-7bd0-4e67-bc62-836dd16d6721" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_722edd26-f35d-4fec-86fb-c3d717e0f787" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_c282a9fa-7bd0-4e67-bc62-836dd16d6721" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_a4505888-8e22-45bd-ac6f-311660769233" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_722edd26-f35d-4fec-86fb-c3d717e0f787" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_a4505888-8e22-45bd-ac6f-311660769233" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8c31e86e-3341-4fad-aee0-64f453177c59" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_d55a56ec-1b15-406f-94dd-a187ea8d3879" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8c31e86e-3341-4fad-aee0-64f453177c59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_0fc9a491-c7fa-4e7b-a66b-684babd8896b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8c31e86e-3341-4fad-aee0-64f453177c59" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_0fc9a491-c7fa-4e7b-a66b-684babd8896b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_88cfe57a-ea6c-4967-9b9e-31e7422e2e23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8c31e86e-3341-4fad-aee0-64f453177c59" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_88cfe57a-ea6c-4967-9b9e-31e7422e2e23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_428fba2e-156c-4452-8dc8-64a953108211" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8c31e86e-3341-4fad-aee0-64f453177c59" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_428fba2e-156c-4452-8dc8-64a953108211" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_5dc8a43b-9d68-41d6-bfdb-f9b3991a86fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8c31e86e-3341-4fad-aee0-64f453177c59" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_5dc8a43b-9d68-41d6-bfdb-f9b3991a86fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfDebt_de2b0a6a-20db-4632-bfb9-af65d5efe81b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfDebt"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8c31e86e-3341-4fad-aee0-64f453177c59" xlink:to="loc_us-gaap_RepaymentsOfDebt_de2b0a6a-20db-4632-bfb9-af65d5efe81b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7e4dadfb-aa2c-4974-a841-76dc95c1d74a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8c31e86e-3341-4fad-aee0-64f453177c59" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7e4dadfb-aa2c-4974-a841-76dc95c1d74a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffectAbstract_7988c31e-5ccc-4569-bf32-0d2787e60fc7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffectAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_d55a56ec-1b15-406f-94dd-a187ea8d3879" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffectAbstract_7988c31e-5ccc-4569-bf32-0d2787e60fc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_575a37ad-52b6-433a-9ff9-1e96e8a30d17" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffectAbstract_7988c31e-5ccc-4569-bf32-0d2787e60fc7" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_575a37ad-52b6-433a-9ff9-1e96e8a30d17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_ed0b627d-8fd4-42d7-8955-2c9208b657fd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffectAbstract_7988c31e-5ccc-4569-bf32-0d2787e60fc7" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_ed0b627d-8fd4-42d7-8955-2c9208b657fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_50565a7e-38ef-4334-8dcb-169c3a4f3166" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffectAbstract_7988c31e-5ccc-4569-bf32-0d2787e60fc7" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_50565a7e-38ef-4334-8dcb-169c3a4f3166" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSunauditedParenthetical" xlink:type="simple" xlink:href="uve-20240930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSunauditedParenthetical"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSunauditedParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_980ab2ae-b5ba-409d-b3d1-dd98373de5ba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_08598ec0-b1d8-47af-8a6a-86c8bc662d46" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_980ab2ae-b5ba-409d-b3d1-dd98373de5ba" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_08598ec0-b1d8-47af-8a6a-86c8bc662d46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_52fc9fbe-9ae9-4c9a-b279-c6daa628f5bc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_980ab2ae-b5ba-409d-b3d1-dd98373de5ba" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_52fc9fbe-9ae9-4c9a-b279-c6daa628f5bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_b3d562e7-e408-48b4-b718-532b14af4141" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_980ab2ae-b5ba-409d-b3d1-dd98373de5ba" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_b3d562e7-e408-48b4-b718-532b14af4141" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/NatureofOperationsandBasisofPresentation" xlink:type="simple" xlink:href="uve-20240930.xsd#NatureofOperationsandBasisofPresentation"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/NatureofOperationsandBasisofPresentation" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_61ae7622-52aa-4d50-bec4-3b87e8391d3f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_af974d6b-28fa-4ac6-9218-ab50ea018fbc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_61ae7622-52aa-4d50-bec4-3b87e8391d3f" xlink:to="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_af974d6b-28fa-4ac6-9218-ab50ea018fbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/SignificantAccountingPolicies" xlink:type="simple" xlink:href="uve-20240930.xsd#SignificantAccountingPolicies"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/SignificantAccountingPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_a5078658-67f9-4b8b-8e67-e6ba573fa12f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock_546e8f54-f298-4a4e-a8c3-47d6eaad335c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SignificantAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_a5078658-67f9-4b8b-8e67-e6ba573fa12f" xlink:to="loc_us-gaap_SignificantAccountingPoliciesTextBlock_546e8f54-f298-4a4e-a8c3-47d6eaad335c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/Investments" xlink:type="simple" xlink:href="uve-20240930.xsd#Investments"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/Investments" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_85444e2e-4ee3-422f-a678-4b80d0622fe7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTextBlock_7da70c3e-f3d0-4378-8637-40810cae304c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_85444e2e-4ee3-422f-a678-4b80d0622fe7" xlink:to="loc_us-gaap_InvestmentTextBlock_7da70c3e-f3d0-4378-8637-40810cae304c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/Reinsurance" xlink:type="simple" xlink:href="uve-20240930.xsd#Reinsurance"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/Reinsurance" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_c42f9305-962b-40a1-9e5c-0fd5e8092151" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceTextBlock_c040f3f7-62f9-47f6-8a67-43a0b7cbc917" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_c42f9305-962b-40a1-9e5c-0fd5e8092151" xlink:to="loc_us-gaap_ReinsuranceTextBlock_c040f3f7-62f9-47f6-8a67-43a0b7cbc917" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InsuranceOperations" xlink:type="simple" xlink:href="uve-20240930.xsd#InsuranceOperations"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InsuranceOperations" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_94475e12-fd0d-4f33-8198-c778389f0c22" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceDisclosureTextBlock_dd172e2c-a668-438b-b57f-2001363c16c9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_94475e12-fd0d-4f33-8198-c778389f0c22" xlink:to="loc_us-gaap_InsuranceDisclosureTextBlock_dd172e2c-a668-438b-b57f-2001363c16c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LiabilityforUnpaidLossesandLossAdjustmentExpenses" xlink:type="simple" xlink:href="uve-20240930.xsd#LiabilityforUnpaidLossesandLossAdjustmentExpenses"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/LiabilityforUnpaidLossesandLossAdjustmentExpenses" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_03151ed2-5a8f-44aa-8544-4aafb50f38cf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsDisclosureTextBlock_b5ef9913-925b-41ef-b405-9051614fbdd4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_03151ed2-5a8f-44aa-8544-4aafb50f38cf" xlink:to="loc_us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsDisclosureTextBlock_b5ef9913-925b-41ef-b405-9051614fbdd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LongtermDebt" xlink:type="simple" xlink:href="uve-20240930.xsd#LongtermDebt"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/LongtermDebt" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_20b66e77-e057-4104-a5bb-9e4386e19ef4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtTextBlock_3cc82803-5116-49fe-a9fa-ac81cda4479e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_20b66e77-e057-4104-a5bb-9e4386e19ef4" xlink:to="loc_us-gaap_LongTermDebtTextBlock_3cc82803-5116-49fe-a9fa-ac81cda4479e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/StockholdersEquity" xlink:type="simple" xlink:href="uve-20240930.xsd#StockholdersEquity"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/StockholdersEquity" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_0706678d-1cea-49e9-a979-1235922f0615" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_5c1745d7-5c2b-43e7-a56d-b48e58c9400d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_0706678d-1cea-49e9-a979-1235922f0615" xlink:to="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_5c1745d7-5c2b-43e7-a56d-b48e58c9400d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/IncomeTaxes" xlink:type="simple" xlink:href="uve-20240930.xsd#IncomeTaxes"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/IncomeTaxes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_ce7b80ce-9ee2-49eb-bc1f-c3dab37b08b3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_42a401d6-a0f2-45e6-b1c7-38a04d448e0a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_ce7b80ce-9ee2-49eb-bc1f-c3dab37b08b3" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_42a401d6-a0f2-45e6-b1c7-38a04d448e0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/EarningsLossPerShare" xlink:type="simple" xlink:href="uve-20240930.xsd#EarningsLossPerShare"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/EarningsLossPerShare" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_6cb07448-7aea-4852-b27c-ed3e85673076" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareTextBlock_ab2f049a-5f6f-4fdf-9797-6ff3e76c1a22" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_6cb07448-7aea-4852-b27c-ed3e85673076" xlink:to="loc_us-gaap_EarningsPerShareTextBlock_ab2f049a-5f6f-4fdf-9797-6ff3e76c1a22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLoss" xlink:type="simple" xlink:href="uve-20240930.xsd#OtherComprehensiveIncomeLoss"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLoss" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_858022fa-e434-4919-9a38-70cdb614fc7d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_d9317012-02b8-4b6d-8ab7-775ee668d422" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_858022fa-e434-4919-9a38-70cdb614fc7d" xlink:to="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_d9317012-02b8-4b6d-8ab7-775ee668d422" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CommitmentsandContingencies" xlink:type="simple" xlink:href="uve-20240930.xsd#CommitmentsandContingencies"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/CommitmentsandContingencies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_c4a2f1d6-23ca-45f1-a083-56e453c0958f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_db64e137-f17b-49b5-be0e-3a595f7abb56" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_c4a2f1d6-23ca-45f1-a083-56e453c0958f" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_db64e137-f17b-49b5-be0e-3a595f7abb56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/FairValueMeasurements" xlink:type="simple" xlink:href="uve-20240930.xsd#FairValueMeasurements"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/FairValueMeasurements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_a8fb3877-ecbb-46b6-8ba7-e2c8b8bb697b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_afe92aaf-7b82-4bf2-ad6e-108680eba1d5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_a8fb3877-ecbb-46b6-8ba7-e2c8b8bb697b" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_afe92aaf-7b82-4bf2-ad6e-108680eba1d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/VariableInterestEntities" xlink:type="simple" xlink:href="uve-20240930.xsd#VariableInterestEntities"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/VariableInterestEntities" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_fdc5d3e4-b36e-41aa-becd-284b3bc4d5bc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_0abcfbf4-f95b-401d-bae8-4e7b90d02f11" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_fdc5d3e4-b36e-41aa-becd-284b3bc4d5bc" xlink:to="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_0abcfbf4-f95b-401d-bae8-4e7b90d02f11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/SubsequentEvents" xlink:type="simple" xlink:href="uve-20240930.xsd#SubsequentEvents"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/SubsequentEvents" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract_888398e3-6b9c-4ade-8036-14a88be39726" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsTextBlock_2243ba1b-3be4-494b-8a27-8be89417bfa2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_888398e3-6b9c-4ade-8036-14a88be39726" xlink:to="loc_us-gaap_SubsequentEventsTextBlock_2243ba1b-3be4-494b-8a27-8be89417bfa2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/NatureofOperationsandBasisofPresentationPolicies" xlink:type="simple" xlink:href="uve-20240930.xsd#NatureofOperationsandBasisofPresentationPolicies"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/NatureofOperationsandBasisofPresentationPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_c0018c42-c580-45fa-92c6-b9a472529374" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_86ad80a8-8498-4c58-9f9a-6abab0da046a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_c0018c42-c580-45fa-92c6-b9a472529374" xlink:to="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_86ad80a8-8498-4c58-9f9a-6abab0da046a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UseOfEstimates_71c0f8b9-1a8d-4e5a-b595-e84867193ed7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UseOfEstimates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_c0018c42-c580-45fa-92c6-b9a472529374" xlink:to="loc_us-gaap_UseOfEstimates_71c0f8b9-1a8d-4e5a-b595-e84867193ed7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsTables" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTableTextBlock_6878cf60-d5c2-4d82-ac41-4fd9d3a93460" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTableTextBlock_6878cf60-d5c2-4d82-ac41-4fd9d3a93460" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_FixedMaturitiesCreditQualityIndicatorsTableTextBlock_f2b75f95-530b-4a8e-a765-81355a04c981" xlink:href="uve-20240930.xsd#uve_FixedMaturitiesCreditQualityIndicatorsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_uve_FixedMaturitiesCreditQualityIndicatorsTableTextBlock_f2b75f95-530b-4a8e-a765-81355a04c981" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AmortizedCostAndEstimatedFairValueMortgageBackedAndAssetBackedSecuritiesTableTextBlock_2fdb99a9-347e-441b-973b-68d636a055d5" xlink:href="uve-20240930.xsd#uve_AmortizedCostAndEstimatedFairValueMortgageBackedAndAssetBackedSecuritiesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_uve_AmortizedCostAndEstimatedFairValueMortgageBackedAndAssetBackedSecuritiesTableTextBlock_2fdb99a9-347e-441b-973b-68d636a055d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_7edc91e0-ad26-4cff-907d-ab3c2f4f31eb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_7edc91e0-ad26-4cff-907d-ab3c2f4f31eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTableTextBlock_0ba07c15-46a9-45cc-8eae-e6245dfdd032" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTableTextBlock_0ba07c15-46a9-45cc-8eae-e6245dfdd032" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_3d8cc116-46a0-452e-a532-c20c89bf5f73" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_3d8cc116-46a0-452e-a532-c20c89bf5f73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_bca1968f-1331-48f8-9498-86aa9f051a83" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfRealizedGainLossTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_bca1968f-1331-48f8-9498-86aa9f051a83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeTextBlock_01611322-2531-44d6-8e36-03f5799f09d5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentIncomeTextBlock"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_us-gaap_InvestmentIncomeTextBlock_01611322-2531-44d6-8e36-03f5799f09d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_5f95c5aa-150c-4f54-918d-26da0682ad33" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_5f95c5aa-150c-4f54-918d-26da0682ad33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock_cbab8c97-ec37-421e-b717-023e3a4fbec1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock_cbab8c97-ec37-421e-b717-023e3a4fbec1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_DepreciationExpenseRelatedToInvestmentRealEstateTableTextBlock_798addb7-544a-407a-8c44-fc050f6dcc29" xlink:href="uve-20240930.xsd#uve_DepreciationExpenseRelatedToInvestmentRealEstateTableTextBlock"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_uve_DepreciationExpenseRelatedToInvestmentRealEstateTableTextBlock_798addb7-544a-407a-8c44-fc050f6dcc29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_ScheduleOfOtherInvestmentsTableTextBlock_a26eaab3-eabe-4541-a22a-cbdd913c7d1e" xlink:href="uve-20240930.xsd#uve_ScheduleOfOtherInvestmentsTableTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_uve_ScheduleOfOtherInvestmentsTableTextBlock_a26eaab3-eabe-4541-a22a-cbdd913c7d1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_SummaryOfUnrealizedGainLossesRecognizedAsPresentedInEquityInvestmentLimitedPartnershipTableTextBlock_3b6e68c5-ec70-40a9-9051-2831ac154af2" xlink:href="uve-20240930.xsd#uve_SummaryOfUnrealizedGainLossesRecognizedAsPresentedInEquityInvestmentLimitedPartnershipTableTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_043e439b-84f9-4179-b740-cac497b5fcbe" xlink:to="loc_uve_SummaryOfUnrealizedGainLossesRecognizedAsPresentedInEquityInvestmentLimitedPartnershipTableTextBlock_3b6e68c5-ec70-40a9-9051-2831ac154af2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/ReinsuranceTables" xlink:type="simple" xlink:href="uve-20240930.xsd#ReinsuranceTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/ReinsuranceTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_9160ee36-cd4c-4a2b-bdec-6c9e4b9b8f79" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfCededCreditRiskByReinsurerTextBlock_9af4c3fd-373b-4e5b-be92-c775b9e5432c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfCededCreditRiskByReinsurerTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_9160ee36-cd4c-4a2b-bdec-6c9e4b9b8f79" xlink:to="loc_us-gaap_ScheduleOfCededCreditRiskByReinsurerTextBlock_9af4c3fd-373b-4e5b-be92-c775b9e5432c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectsOfReinsuranceTableTextBlock_4e6a5406-1810-4889-8ccd-328079ea3965" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectsOfReinsuranceTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_9160ee36-cd4c-4a2b-bdec-6c9e4b9b8f79" xlink:to="loc_us-gaap_EffectsOfReinsuranceTableTextBlock_4e6a5406-1810-4889-8ccd-328079ea3965" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_ScheduleOfReinsuranceRecoverablesTableTextBlock_aefb0911-a290-4a92-9da2-a466868497ec" xlink:href="uve-20240930.xsd#uve_ScheduleOfReinsuranceRecoverablesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_9160ee36-cd4c-4a2b-bdec-6c9e4b9b8f79" xlink:to="loc_uve_ScheduleOfReinsuranceRecoverablesTableTextBlock_aefb0911-a290-4a92-9da2-a466868497ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InsuranceOperationsTables" xlink:type="simple" xlink:href="uve-20240930.xsd#InsuranceOperationsTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InsuranceOperationsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_61a67830-43e6-4698-803c-b41fa59fc6f5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock_2ae898c8-5d56-4ff4-9cc9-9abbbb468829" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_61a67830-43e6-4698-803c-b41fa59fc6f5" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock_2ae898c8-5d56-4ff4-9cc9-9abbbb468829" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesDisclosureTextBlock_201e80a6-f483-4ec0-b7b5-fb7b307c0c66" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesDisclosureTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_61a67830-43e6-4698-803c-b41fa59fc6f5" xlink:to="loc_us-gaap_StatutoryAccountingPracticesDisclosureTextBlock_201e80a6-f483-4ec0-b7b5-fb7b307c0c66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LiabilityforUnpaidLossesandLossAdjustmentExpensesTables" xlink:type="simple" xlink:href="uve-20240930.xsd#LiabilityforUnpaidLossesandLossAdjustmentExpensesTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/LiabilityforUnpaidLossesandLossAdjustmentExpensesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_4c67cdb9-dfa8-47e3-98a1-2a2eb0f9bd79" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_1d3c200f-3235-42ad-88bb-bb84bca76e23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_4c67cdb9-dfa8-47e3-98a1-2a2eb0f9bd79" xlink:to="loc_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_1d3c200f-3235-42ad-88bb-bb84bca76e23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LongtermDebtTables" xlink:type="simple" xlink:href="uve-20240930.xsd#LongtermDebtTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/LongtermDebtTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_22794331-fb7a-4a44-a927-d4552c8321a5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtInstrumentsTextBlock_72ff27e9-a8fe-4033-acf2-2cacde0a4b22" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfDebtInstrumentsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_22794331-fb7a-4a44-a927-d4552c8321a5" xlink:to="loc_us-gaap_ScheduleOfDebtInstrumentsTextBlock_72ff27e9-a8fe-4033-acf2-2cacde0a4b22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_InterestExpenseTableTextBlock_82dadbcf-d911-407b-a0cc-1cd0a629905b" xlink:href="uve-20240930.xsd#uve_InterestExpenseTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_22794331-fb7a-4a44-a927-d4552c8321a5" xlink:to="loc_uve_InterestExpenseTableTextBlock_82dadbcf-d911-407b-a0cc-1cd0a629905b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/StockholdersEquityTables" xlink:type="simple" xlink:href="uve-20240930.xsd#StockholdersEquityTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/StockholdersEquityTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_5fe3768c-4250-4539-8c09-458bb8dbf0ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTreasuryStockByClassTextBlock_41fcd39c-8031-4f02-8f1a-ecb2396bc75a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfTreasuryStockByClassTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_5fe3768c-4250-4539-8c09-458bb8dbf0ed" xlink:to="loc_us-gaap_ScheduleOfTreasuryStockByClassTextBlock_41fcd39c-8031-4f02-8f1a-ecb2396bc75a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/IncomeTaxesTables" xlink:type="simple" xlink:href="uve-20240930.xsd#IncomeTaxesTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/IncomeTaxesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_93437cfa-3718-4b7f-9a4f-346cdec52e6b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_902ff27a-82cf-4c4a-abbb-94d665c800ec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_93437cfa-3718-4b7f-9a4f-346cdec52e6b" xlink:to="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_902ff27a-82cf-4c4a-abbb-94d665c800ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/EarningsLossPerShareTables" xlink:type="simple" xlink:href="uve-20240930.xsd#EarningsLossPerShareTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/EarningsLossPerShareTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_e9ff4e41-dddd-4fc8-a36e-07bdfdb7197f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_1e3f4b97-e2f7-4fdb-b9a5-74adb5dd35c7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_e9ff4e41-dddd-4fc8-a36e-07bdfdb7197f" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_1e3f4b97-e2f7-4fdb-b9a5-74adb5dd35c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLossTables" xlink:type="simple" xlink:href="uve-20240930.xsd#OtherComprehensiveIncomeLossTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLossTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_5de38761-6f93-4276-83d4-f4f4ba9aba58" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_57e16e81-94d0-409b-a85e-a39e5e4865f5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_5de38761-6f93-4276-83d4-f4f4ba9aba58" xlink:to="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_57e16e81-94d0-409b-a85e-a39e5e4865f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_9b4efd04-8f2d-48bc-9a32-acf9f70ec463" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_5de38761-6f93-4276-83d4-f4f4ba9aba58" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_9b4efd04-8f2d-48bc-9a32-acf9f70ec463" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsTables" xlink:type="simple" xlink:href="uve-20240930.xsd#FairValueMeasurementsTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_66110306-56c8-4c4d-aeba-6677b0a149a3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock_1137bb99-2af8-4d51-ae4e-31059d6f853d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_66110306-56c8-4c4d-aeba-6677b0a149a3" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock_1137bb99-2af8-4d51-ae4e-31059d6f853d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_587d0ac1-6bc8-4a86-93a9-c03ff0e24228" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_66110306-56c8-4c4d-aeba-6677b0a149a3" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_587d0ac1-6bc8-4a86-93a9-c03ff0e24228" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_64aeb37c-8983-4af5-b39c-2dd7eea61764" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_66110306-56c8-4c4d-aeba-6677b0a149a3" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_64aeb37c-8983-4af5-b39c-2dd7eea61764" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/VariableInterestEntitiesTables" xlink:type="simple" xlink:href="uve-20240930.xsd#VariableInterestEntitiesTables"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/VariableInterestEntitiesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_068bd78b-c751-4b3a-be33-f0dea63da164" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_e1c63dab-542d-4e3a-aef0-3549414199f1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_068bd78b-c751-4b3a-be33-f0dea63da164" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_e1c63dab-542d-4e3a-aef0-3549414199f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/NatureofOperationsandBasisofPresentationDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#NatureofOperationsandBasisofPresentationDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/NatureofOperationsandBasisofPresentationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_ef7f4913-447a-4d42-a99f-ba680b43e873" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfStatesInWhichEntityOperates_3b581224-d22d-4547-85d8-0bfc0f7dae11" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NumberOfStatesInWhichEntityOperates"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_ef7f4913-447a-4d42-a99f-ba680b43e873" xlink:to="loc_us-gaap_NumberOfStatesInWhichEntityOperates_3b581224-d22d-4547-85d8-0bfc0f7dae11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsCostorAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsCostorAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsCostorAmortizedCostandFairValueofSecuritiesAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_3737a746-0ecc-465d-9609-f9bc5e6503aa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_70ba68cd-98b1-4096-a872-6245860147fd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_3737a746-0ecc-465d-9609-f9bc5e6503aa" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_70ba68cd-98b1-4096-a872-6245860147fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_3a66b52e-36c2-4afa-a8aa-b317e3ef6ea1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_70ba68cd-98b1-4096-a872-6245860147fd" xlink:to="loc_us-gaap_FinancialInstrumentAxis_3a66b52e-36c2-4afa-a8aa-b317e3ef6ea1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_89ac73b8-442a-4628-ae5d-c661c39ce1f7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_3a66b52e-36c2-4afa-a8aa-b317e3ef6ea1" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_89ac73b8-442a-4628-ae5d-c661c39ce1f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_0fbca474-2871-49a1-ab53-1e73ae20e249" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_89ac73b8-442a-4628-ae5d-c661c39ce1f7" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_0fbca474-2871-49a1-ab53-1e73ae20e249" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_d0bc80f6-0013-4a06-9df8-e65e63bfcdd3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_89ac73b8-442a-4628-ae5d-c661c39ce1f7" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_d0bc80f6-0013-4a06-9df8-e65e63bfcdd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_MortgageBackedAndAssetBackedSecuritiesMember_49ab222f-177e-4ed5-8238-2d85ffb4934b" xlink:href="uve-20240930.xsd#uve_MortgageBackedAndAssetBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_89ac73b8-442a-4628-ae5d-c661c39ce1f7" xlink:to="loc_uve_MortgageBackedAndAssetBackedSecuritiesMember_49ab222f-177e-4ed5-8238-2d85ffb4934b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_f2fd81e4-b3d8-4c89-81c1-efda55271061" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_89ac73b8-442a-4628-ae5d-c661c39ce1f7" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_f2fd81e4-b3d8-4c89-81c1-efda55271061" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RedeemablePreferredStockMember_0548af03-78ac-4fe5-8c2e-e277869d482f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RedeemablePreferredStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_89ac73b8-442a-4628-ae5d-c661c39ce1f7" xlink:to="loc_us-gaap_RedeemablePreferredStockMember_0548af03-78ac-4fe5-8c2e-e277869d482f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c78cf860-d707-47c3-b945-ba2a5d3c1982" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_70ba68cd-98b1-4096-a872-6245860147fd" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c78cf860-d707-47c3-b945-ba2a5d3c1982" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_6ce9a1db-4677-4fd7-bdda-639d220c14c7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c78cf860-d707-47c3-b945-ba2a5d3c1982" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_6ce9a1db-4677-4fd7-bdda-639d220c14c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_79eca251-bab0-46a3-86f2-654544ca8edc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c78cf860-d707-47c3-b945-ba2a5d3c1982" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_79eca251-bab0-46a3-86f2-654544ca8edc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_191998d6-c266-4dcf-8c97-cf47b0074f39" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c78cf860-d707-47c3-b945-ba2a5d3c1982" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_191998d6-c266-4dcf-8c97-cf47b0074f39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_ad751329-613b-4656-9ea9-ce330006cd07" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c78cf860-d707-47c3-b945-ba2a5d3c1982" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_ad751329-613b-4656-9ea9-ce330006cd07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_9db070bf-3920-4926-a8a3-f2de99895f14" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c78cf860-d707-47c3-b945-ba2a5d3c1982" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_9db070bf-3920-4926-a8a3-f2de99895f14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofCreditQualityofInvestmentSecuritiesWithContractualMaturitiesorTheIssuerofSuchSecuritiesDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsScheduleofCreditQualityofInvestmentSecuritiesWithContractualMaturitiesorTheIssuerofSuchSecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofCreditQualityofInvestmentSecuritiesWithContractualMaturitiesorTheIssuerofSuchSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_036bd696-011c-49f2-8225-2a4bf62eef55" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_4fb2b7c0-0deb-407b-b2fa-1d29f153f9b6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_036bd696-011c-49f2-8225-2a4bf62eef55" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_4fb2b7c0-0deb-407b-b2fa-1d29f153f9b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExternalCreditRatingByGroupingAxis_c37d944c-eb8f-4e9f-9d1f-717804ff1461" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ExternalCreditRatingByGroupingAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_4fb2b7c0-0deb-407b-b2fa-1d29f153f9b6" xlink:to="loc_us-gaap_ExternalCreditRatingByGroupingAxis_c37d944c-eb8f-4e9f-9d1f-717804ff1461" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExternalCreditRatingByGroupingDomain_0e5b02a8-042c-4db8-b793-f548b1a78697" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ExternalCreditRatingByGroupingDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ExternalCreditRatingByGroupingAxis_c37d944c-eb8f-4e9f-9d1f-717804ff1461" xlink:to="loc_us-gaap_ExternalCreditRatingByGroupingDomain_0e5b02a8-042c-4db8-b793-f548b1a78697" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AAAComparableRatingMember_a1c242c9-4ffe-4edb-9c6f-be0bdd06d119" xlink:href="uve-20240930.xsd#uve_AAAComparableRatingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ExternalCreditRatingByGroupingDomain_0e5b02a8-042c-4db8-b793-f548b1a78697" xlink:to="loc_uve_AAAComparableRatingMember_a1c242c9-4ffe-4edb-9c6f-be0bdd06d119" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AAComparableRatingMember_e233e6f7-5a8a-4fe3-a613-641ec095dfe6" xlink:href="uve-20240930.xsd#uve_AAComparableRatingMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ExternalCreditRatingByGroupingDomain_0e5b02a8-042c-4db8-b793-f548b1a78697" xlink:to="loc_uve_AAComparableRatingMember_e233e6f7-5a8a-4fe3-a613-641ec095dfe6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AComparableRatingMember_ef65cb60-9e33-4920-8f6c-c6adc52092e4" xlink:href="uve-20240930.xsd#uve_AComparableRatingMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ExternalCreditRatingByGroupingDomain_0e5b02a8-042c-4db8-b793-f548b1a78697" xlink:to="loc_uve_AComparableRatingMember_ef65cb60-9e33-4920-8f6c-c6adc52092e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_BBBComparableRatingMember_1d79220b-897e-4689-828f-f5bda74847ac" xlink:href="uve-20240930.xsd#uve_BBBComparableRatingMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ExternalCreditRatingByGroupingDomain_0e5b02a8-042c-4db8-b793-f548b1a78697" xlink:to="loc_uve_BBBComparableRatingMember_1d79220b-897e-4689-828f-f5bda74847ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_NotRatedMember_74ecaa60-f1c6-442d-97b9-0dd8170e2b45" xlink:href="uve-20240930.xsd#uve_NotRatedMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ExternalCreditRatingByGroupingDomain_0e5b02a8-042c-4db8-b793-f548b1a78697" xlink:to="loc_uve_NotRatedMember_74ecaa60-f1c6-442d-97b9-0dd8170e2b45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c56e9b43-0b91-4add-be3c-048d0a47bd3c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_4fb2b7c0-0deb-407b-b2fa-1d29f153f9b6" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c56e9b43-0b91-4add-be3c-048d0a47bd3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AvailableForSaleSecuritiesContractualMaturities_acfb92a0-9f4e-478d-97ad-9cbc1916dbe4" xlink:href="uve-20240930.xsd#uve_AvailableForSaleSecuritiesContractualMaturities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c56e9b43-0b91-4add-be3c-048d0a47bd3c" xlink:to="loc_uve_AvailableForSaleSecuritiesContractualMaturities_acfb92a0-9f4e-478d-97ad-9cbc1916dbe4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_FixedMaturitiesFairValuePercentage_6b00ab17-3479-4cdd-b470-e939344c29b8" xlink:href="uve-20240930.xsd#uve_FixedMaturitiesFairValuePercentage"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_c56e9b43-0b91-4add-be3c-048d0a47bd3c" xlink:to="loc_uve_FixedMaturitiesFairValuePercentage_6b00ab17-3479-4cdd-b470-e939344c29b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofAmortizedCostandFairValueonMortgageBackedandAssetBackedSecuritiesDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsScheduleofAmortizedCostandFairValueonMortgageBackedandAssetBackedSecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofAmortizedCostandFairValueonMortgageBackedandAssetBackedSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2077bc53-e751-4001-a633-70fc35799e3a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_4278f472-2a14-4f7b-aff7-e657b26fc60b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2077bc53-e751-4001-a633-70fc35799e3a" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_4278f472-2a14-4f7b-aff7-e657b26fc60b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnderlyingAssetClassAxis_da7e253c-3fa3-4162-aa72-39b1c8c840b1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnderlyingAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_4278f472-2a14-4f7b-aff7-e657b26fc60b" xlink:to="loc_us-gaap_UnderlyingAssetClassAxis_da7e253c-3fa3-4162-aa72-39b1c8c840b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnderlyingAssetClassDomain_49992fdb-d0c3-43d9-ad34-dea77bfa9fe2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnderlyingAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnderlyingAssetClassAxis_da7e253c-3fa3-4162-aa72-39b1c8c840b1" xlink:to="loc_us-gaap_UnderlyingAssetClassDomain_49992fdb-d0c3-43d9-ad34-dea77bfa9fe2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AgencySecuritiesMember_f58dc74e-bba7-4f2e-965b-ed00ed1c01dc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AgencySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnderlyingAssetClassDomain_49992fdb-d0c3-43d9-ad34-dea77bfa9fe2" xlink:to="loc_us-gaap_AgencySecuritiesMember_f58dc74e-bba7-4f2e-965b-ed00ed1c01dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_NonAgencyMember_93d0f2d1-b7e4-45e0-89c8-3a6b28be26bc" xlink:href="uve-20240930.xsd#uve_NonAgencyMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnderlyingAssetClassDomain_49992fdb-d0c3-43d9-ad34-dea77bfa9fe2" xlink:to="loc_uve_NonAgencyMember_93d0f2d1-b7e4-45e0-89c8-3a6b28be26bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedAutoLoansMember_699e90d5-640e-46d4-84ef-e318598a1590" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralizedAutoLoansMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnderlyingAssetClassDomain_49992fdb-d0c3-43d9-ad34-dea77bfa9fe2" xlink:to="loc_us-gaap_CollateralizedAutoLoansMember_699e90d5-640e-46d4-84ef-e318598a1590" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedCreditCardSecuritiesMember_b1993386-05de-42c7-a610-e1317ed7876c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralizedCreditCardSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnderlyingAssetClassDomain_49992fdb-d0c3-43d9-ad34-dea77bfa9fe2" xlink:to="loc_us-gaap_CollateralizedCreditCardSecuritiesMember_b1993386-05de-42c7-a610-e1317ed7876c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedSecuritiesOtherMember_1e5de43f-85e4-4df4-b191-a4e172e6c11c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CollateralizedSecuritiesOtherMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnderlyingAssetClassDomain_49992fdb-d0c3-43d9-ad34-dea77bfa9fe2" xlink:to="loc_us-gaap_CollateralizedSecuritiesOtherMember_1e5de43f-85e4-4df4-b191-a4e172e6c11c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_8b9e3969-1b99-4fe9-b0df-950559b7a536" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_4278f472-2a14-4f7b-aff7-e657b26fc60b" xlink:to="loc_us-gaap_FinancialInstrumentAxis_8b9e3969-1b99-4fe9-b0df-950559b7a536" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_341f97f9-dd91-47bc-bf83-d2a37dca6bcf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_8b9e3969-1b99-4fe9-b0df-950559b7a536" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_341f97f9-dd91-47bc-bf83-d2a37dca6bcf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_26200698-a1db-480c-9834-fe44ee5d5275" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_341f97f9-dd91-47bc-bf83-d2a37dca6bcf" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_26200698-a1db-480c-9834-fe44ee5d5275" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesSecuritizedLoansAndReceivablesMember_f06a5f1d-1170-4155-bbfb-3fad1a3e7c8d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetBackedSecuritiesSecuritizedLoansAndReceivablesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_341f97f9-dd91-47bc-bf83-d2a37dca6bcf" xlink:to="loc_us-gaap_AssetBackedSecuritiesSecuritizedLoansAndReceivablesMember_f06a5f1d-1170-4155-bbfb-3fad1a3e7c8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_MortgageBackedAndAssetBackedSecuritiesMember_32a43762-e937-407e-b552-18def205a511" xlink:href="uve-20240930.xsd#uve_MortgageBackedAndAssetBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_341f97f9-dd91-47bc-bf83-d2a37dca6bcf" xlink:to="loc_uve_MortgageBackedAndAssetBackedSecuritiesMember_32a43762-e937-407e-b552-18def205a511" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d74fedb4-0158-4dd2-b676-890945c74ec3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_4278f472-2a14-4f7b-aff7-e657b26fc60b" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d74fedb4-0158-4dd2-b676-890945c74ec3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_964322cf-cd80-4418-8022-794f90bda90d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d74fedb4-0158-4dd2-b676-890945c74ec3" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_964322cf-cd80-4418-8022-794f90bda90d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_742ba445-bf20-40ec-b8c8-8560690827ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_d74fedb4-0158-4dd2-b676-890945c74ec3" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_742ba445-bf20-40ec-b8c8-8560690827ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsSummarizedFairValueandGrossUnrealizedLossesonSecuritiesAvailableforSaleDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsSummarizedFairValueandGrossUnrealizedLossesonSecuritiesAvailableforSaleDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsSummarizedFairValueandGrossUnrealizedLossesonSecuritiesAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_739961f2-3a8c-4d22-ab37-974f13c51a16" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_75fd0197-9912-41c2-962c-7e7ac5e71ff4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_739961f2-3a8c-4d22-ab37-974f13c51a16" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_75fd0197-9912-41c2-962c-7e7ac5e71ff4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_15cf2a22-621e-434f-8729-6707fffde41c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_75fd0197-9912-41c2-962c-7e7ac5e71ff4" xlink:to="loc_us-gaap_FinancialInstrumentAxis_15cf2a22-621e-434f-8729-6707fffde41c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_72603da9-4cbe-4841-8a2d-915b637ee208" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_15cf2a22-621e-434f-8729-6707fffde41c" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_72603da9-4cbe-4841-8a2d-915b637ee208" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_406a4bb8-39d0-42b8-9954-128205d9d039" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_72603da9-4cbe-4841-8a2d-915b637ee208" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_406a4bb8-39d0-42b8-9954-128205d9d039" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_dbd5d0be-2ee9-438b-95bf-a0e2ef909ed9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_72603da9-4cbe-4841-8a2d-915b637ee208" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_dbd5d0be-2ee9-438b-95bf-a0e2ef909ed9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_MortgageBackedAndAssetBackedSecuritiesMember_ee44a8fc-4f0b-4295-83b1-e4144209ddd7" xlink:href="uve-20240930.xsd#uve_MortgageBackedAndAssetBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_72603da9-4cbe-4841-8a2d-915b637ee208" xlink:to="loc_uve_MortgageBackedAndAssetBackedSecuritiesMember_ee44a8fc-4f0b-4295-83b1-e4144209ddd7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_051eb5dd-9912-4bc8-9414-37120855f51f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_72603da9-4cbe-4841-8a2d-915b637ee208" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_051eb5dd-9912-4bc8-9414-37120855f51f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RedeemablePreferredStockMember_5b3b91a5-101c-4552-bac7-3788a5482b7a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RedeemablePreferredStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_72603da9-4cbe-4841-8a2d-915b637ee208" xlink:to="loc_us-gaap_RedeemablePreferredStockMember_5b3b91a5-101c-4552-bac7-3788a5482b7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_23d04c37-0f2e-4737-83c8-1f59a8c1e4e8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_75fd0197-9912-41c2-962c-7e7ac5e71ff4" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_23d04c37-0f2e-4737-83c8-1f59a8c1e4e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_ee69d7d1-4f67-469f-a422-80f929f0c023" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_23d04c37-0f2e-4737-83c8-1f59a8c1e4e8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_ee69d7d1-4f67-469f-a422-80f929f0c023" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_a5cd894e-f17d-41b2-8c1f-f54bed8d0d9d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_23d04c37-0f2e-4737-83c8-1f59a8c1e4e8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_a5cd894e-f17d-41b2-8c1f-f54bed8d0d9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_a88755f4-0afd-436e-ad09-f110569023cc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_23d04c37-0f2e-4737-83c8-1f59a8c1e4e8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_a88755f4-0afd-436e-ad09-f110569023cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_3c2d717b-3139-46ad-ae3d-9f1fcbe9253e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_23d04c37-0f2e-4737-83c8-1f59a8c1e4e8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_3c2d717b-3139-46ad-ae3d-9f1fcbe9253e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsAFSAllowanceforCreditLossesDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsAFSAllowanceforCreditLossesDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsAFSAllowanceforCreditLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_613a63a0-71dc-453a-acee-d6defdf0e617" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTable_44a0c3e4-9477-4fc6-b859-ee09fa958102" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_613a63a0-71dc-453a-acee-d6defdf0e617" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTable_44a0c3e4-9477-4fc6-b859-ee09fa958102" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_c9e7fcb6-19a5-46d5-be66-db9becdedcfc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTable_44a0c3e4-9477-4fc6-b859-ee09fa958102" xlink:to="loc_us-gaap_FinancialInstrumentAxis_c9e7fcb6-19a5-46d5-be66-db9becdedcfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6383aa82-0dd2-4b40-8c38-49c512a79af6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_c9e7fcb6-19a5-46d5-be66-db9becdedcfc" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6383aa82-0dd2-4b40-8c38-49c512a79af6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_9236f927-a765-4b2b-b5b3-e9220dfdd521" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6383aa82-0dd2-4b40-8c38-49c512a79af6" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_9236f927-a765-4b2b-b5b3-e9220dfdd521" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_e1f98500-dcb6-4fce-80f3-20d884490c7f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MunicipalBondsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6383aa82-0dd2-4b40-8c38-49c512a79af6" xlink:to="loc_us-gaap_MunicipalBondsMember_e1f98500-dcb6-4fce-80f3-20d884490c7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RedeemablePreferredStockMember_ce0b863c-bc80-4dd2-a802-6246b6e5c508" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RedeemablePreferredStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6383aa82-0dd2-4b40-8c38-49c512a79af6" xlink:to="loc_us-gaap_RedeemablePreferredStockMember_ce0b863c-bc80-4dd2-a802-6246b6e5c508" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableforsaleAllowanceForCreditLossLineItems_d4770df4-d36f-4955-aa11-25b3f6670b67" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableforsaleAllowanceForCreditLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTable_44a0c3e4-9477-4fc6-b859-ee09fa958102" xlink:to="loc_us-gaap_DebtSecuritiesAvailableforsaleAllowanceForCreditLossLineItems_d4770df4-d36f-4955-aa11-25b3f6670b67" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossRollForward_b33aafdb-dda3-4186-8038-ec73156033c1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableforsaleAllowanceForCreditLossLineItems_d4770df4-d36f-4955-aa11-25b3f6670b67" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossRollForward_b33aafdb-dda3-4186-8038-ec73156033c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_576c0c26-13dc-4244-8c0b-657ea5ec831d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossRollForward_b33aafdb-dda3-4186-8038-ec73156033c1" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_576c0c26-13dc-4244-8c0b-657ea5ec831d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPeriodIncreaseDecrease_9959efbb-872c-4992-b949-8a54b2a6e255" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPeriodIncreaseDecrease"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossRollForward_b33aafdb-dda3-4186-8038-ec73156033c1" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPeriodIncreaseDecrease_9959efbb-872c-4992-b949-8a54b2a6e255" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_1fd7eea7-c708-44b3-a2fe-27d08d205d78" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossRollForward_b33aafdb-dda3-4186-8038-ec73156033c1" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLoss_1fd7eea7-c708-44b3-a2fe-27d08d205d78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsAmortizedCostandFairValueofInvestmentsWithContractualMaturitiesDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsAmortizedCostandFairValueofInvestmentsWithContractualMaturitiesDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsAmortizedCostandFairValueofInvestmentsWithContractualMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_23c446e7-0aec-4c2d-a3d2-f8284424624b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_85dceba8-ee80-400e-8b93-a6be2a756679" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_23c446e7-0aec-4c2d-a3d2-f8284424624b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_85dceba8-ee80-400e-8b93-a6be2a756679" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_b682eaed-bf6e-4102-9e59-68075d89062c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_85dceba8-ee80-400e-8b93-a6be2a756679" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_b682eaed-bf6e-4102-9e59-68075d89062c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_1d6bf85c-7112-4f46-9375-3070b6483fdb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_85dceba8-ee80-400e-8b93-a6be2a756679" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_1d6bf85c-7112-4f46-9375-3070b6483fdb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_acb8753a-48cc-4feb-999a-879360650082" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_85dceba8-ee80-400e-8b93-a6be2a756679" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_acb8753a-48cc-4feb-999a-879360650082" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_2894258f-fa36-4458-88ca-34b967fa6eb2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_85dceba8-ee80-400e-8b93-a6be2a756679" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_2894258f-fa36-4458-88ca-34b967fa6eb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_e9408855-54ba-446a-baf5-cf9c6fd9cdf1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_85dceba8-ee80-400e-8b93-a6be2a756679" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_e9408855-54ba-446a-baf5-cf9c6fd9cdf1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_41f116b8-0e77-443f-881e-0209a05a7b92" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_85dceba8-ee80-400e-8b93-a6be2a756679" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_41f116b8-0e77-443f-881e-0209a05a7b92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_fa093107-8d2c-4725-9454-7b1315eeb2bd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_23c446e7-0aec-4c2d-a3d2-f8284424624b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_fa093107-8d2c-4725-9454-7b1315eeb2bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_880ad21b-c5ff-4837-8b97-f66222ef5770" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_fa093107-8d2c-4725-9454-7b1315eeb2bd" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_880ad21b-c5ff-4837-8b97-f66222ef5770" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_f047e235-fd12-4975-86b6-b121a6a46c95" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_fa093107-8d2c-4725-9454-7b1315eeb2bd" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_f047e235-fd12-4975-86b6-b121a6a46c95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_ca163b01-4e6d-4ecf-846f-e9c798fa8480" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_fa093107-8d2c-4725-9454-7b1315eeb2bd" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_ca163b01-4e6d-4ecf-846f-e9c798fa8480" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_90e4f046-b276-480c-b4e7-41b60994831b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_fa093107-8d2c-4725-9454-7b1315eeb2bd" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_90e4f046-b276-480c-b4e7-41b60994831b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_c22d6b01-8901-4577-97fe-87cbd6037f3a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_fa093107-8d2c-4725-9454-7b1315eeb2bd" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_c22d6b01-8901-4577-97fe-87cbd6037f3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_041f7af7-9eb5-4120-a713-fce9cadf647f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_fa093107-8d2c-4725-9454-7b1315eeb2bd" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_041f7af7-9eb5-4120-a713-fce9cadf647f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsSummaryofSecuritiesAvailableforSaleDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsSummaryofSecuritiesAvailableforSaleDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsSummaryofSecuritiesAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_14861060-a225-4493-924a-4fe60514d2bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_513ee0fb-96bb-4e55-bcbb-0543a283394e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_14861060-a225-4493-924a-4fe60514d2bf" xlink:to="loc_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_513ee0fb-96bb-4e55-bcbb-0543a283394e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_185401d5-f666-49f4-8b20-bd3a76126036" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_14861060-a225-4493-924a-4fe60514d2bf" xlink:to="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_185401d5-f666-49f4-8b20-bd3a76126036" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_3e7efd0e-a187-4531-8369-f8da25393488" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_14861060-a225-4493-924a-4fe60514d2bf" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_3e7efd0e-a187-4531-8369-f8da25393488" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiRealizedGain_59bb1357-e2ad-4e31-8840-ab39f7433f1d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesFvNiRealizedGain"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_14861060-a225-4493-924a-4fe60514d2bf" xlink:to="loc_us-gaap_EquitySecuritiesFvNiRealizedGain_59bb1357-e2ad-4e31-8840-ab39f7433f1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_4c5f6f26-c237-463a-8e48-2430c1b9b902" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_14861060-a225-4493-924a-4fe60514d2bf" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_4c5f6f26-c237-463a-8e48-2430c1b9b902" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiRealizedLoss_2c1627fe-1eb3-476e-9f39-4cdba76b18e9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesFvNiRealizedLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_14861060-a225-4493-924a-4fe60514d2bf" xlink:to="loc_us-gaap_EquitySecuritiesFvNiRealizedLoss_2c1627fe-1eb3-476e-9f39-4cdba76b18e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsInvestmentIncomeExpenseComprisedPrimarilyofInterestandDividendsDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsInvestmentIncomeExpenseComprisedPrimarilyofInterestandDividendsDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsInvestmentIncomeExpenseComprisedPrimarilyofInterestandDividendsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_09075989-ef6a-4812-89ae-66890642b64c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_65d48b48-e449-4b90-a674-ded0ebec400a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_09075989-ef6a-4812-89ae-66890642b64c" xlink:to="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_65d48b48-e449-4b90-a674-ded0ebec400a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_0f619c08-753d-4600-a020-40fbc592f72f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_65d48b48-e449-4b90-a674-ded0ebec400a" xlink:to="loc_us-gaap_InvestmentTypeAxis_0f619c08-753d-4600-a020-40fbc592f72f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_849e0068-f94c-420d-a6d3-402bff6e30ee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_0f619c08-753d-4600-a020-40fbc592f72f" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_849e0068-f94c-420d-a6d3-402bff6e30ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_488a1f5d-27b6-47d6-99e2-cc5f07868ede" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_849e0068-f94c-420d-a6d3-402bff6e30ee" xlink:to="loc_us-gaap_DebtSecuritiesMember_488a1f5d-27b6-47d6-99e2-cc5f07868ede" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember_39f40c5d-ee7a-4fe3-b671-a4ff1fa8eeb5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_849e0068-f94c-420d-a6d3-402bff6e30ee" xlink:to="loc_us-gaap_EquitySecuritiesMember_39f40c5d-ee7a-4fe3-b671-a4ff1fa8eeb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsMember_f3dfd176-0279-4647-aa67-19cd3e78b757" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_849e0068-f94c-420d-a6d3-402bff6e30ee" xlink:to="loc_us-gaap_CashAndCashEquivalentsMember_f3dfd176-0279-4647-aa67-19cd3e78b757" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherThanSecuritiesInvestmentMember_f70bfcb2-b639-4c47-bde8-2a71ff4d5ec2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherThanSecuritiesInvestmentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_849e0068-f94c-420d-a6d3-402bff6e30ee" xlink:to="loc_us-gaap_OtherThanSecuritiesInvestmentMember_f70bfcb2-b639-4c47-bde8-2a71ff4d5ec2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_2e53c43c-ed18-4cc0-97c5-55d31b8193e1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_65d48b48-e449-4b90-a674-ded0ebec400a" xlink:to="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_2e53c43c-ed18-4cc0-97c5-55d31b8193e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_de9f67cd-23f9-4c6f-abd5-d6354422406f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_2e53c43c-ed18-4cc0-97c5-55d31b8193e1" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_de9f67cd-23f9-4c6f-abd5-d6354422406f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossInvestmentIncomeOperating_e908c470-17db-42b4-86a7-4d2dc70d2bd3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GrossInvestmentIncomeOperating"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_2e53c43c-ed18-4cc0-97c5-55d31b8193e1" xlink:to="loc_us-gaap_GrossInvestmentIncomeOperating_e908c470-17db-42b4-86a7-4d2dc70d2bd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInvestmentExpense_e97b4983-f768-42bc-b19f-77cef7b29b94" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentIncomeInvestmentExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_2e53c43c-ed18-4cc0-97c5-55d31b8193e1" xlink:to="loc_us-gaap_InvestmentIncomeInvestmentExpense_e97b4983-f768-42bc-b19f-77cef7b29b94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_75e1564e-f1b6-40ee-a528-9cb0a8d99cb4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetInvestmentIncome"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_2e53c43c-ed18-4cc0-97c5-55d31b8193e1" xlink:to="loc_us-gaap_NetInvestmentIncome_75e1564e-f1b6-40ee-a528-9cb0a8d99cb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsSummaryofDetailsonUnrealizedGainsandLossesRelatedtoEquitySecuritiesDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsSummaryofDetailsonUnrealizedGainsandLossesRelatedtoEquitySecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsSummaryofDetailsonUnrealizedGainsandLossesRelatedtoEquitySecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_ec1df6fb-160d-4dc0-8a87-1bfcd2512594" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGainLossOnInvestmentsTable_d51cff01-2871-435a-81e7-3660405fcfce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfGainLossOnInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_ec1df6fb-160d-4dc0-8a87-1bfcd2512594" xlink:to="loc_us-gaap_ScheduleOfGainLossOnInvestmentsTable_d51cff01-2871-435a-81e7-3660405fcfce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_55882d6b-4f3e-408f-9553-ae45d0a08215" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfGainLossOnInvestmentsTable_d51cff01-2871-435a-81e7-3660405fcfce" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_55882d6b-4f3e-408f-9553-ae45d0a08215" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ceb18726-5ba7-4376-9096-bb48d472b707" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_55882d6b-4f3e-408f-9553-ae45d0a08215" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ceb18726-5ba7-4376-9096-bb48d472b707" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember_4f3ac0a6-8096-4188-bf10-c95d1fe4cc4e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ceb18726-5ba7-4376-9096-bb48d472b707" xlink:to="loc_us-gaap_EquitySecuritiesMember_4f3ac0a6-8096-4188-bf10-c95d1fe4cc4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_4b2a4cc2-f69e-4ad4-82f7-1714edc68c8b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfGainLossOnInvestmentsTable_d51cff01-2871-435a-81e7-3660405fcfce" xlink:to="loc_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_4b2a4cc2-f69e-4ad4-82f7-1714edc68c8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnInvestments_453a44da-0ffd-4cfb-827b-c2d0d729f2a7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrealizedGainLossOnInvestments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfGainLossOnInvestmentsIncludingMarketableSecuritiesAndInvestmentsHeldAtCostIncomeStatementReportedAmountsSummaryLineItems_4b2a4cc2-f69e-4ad4-82f7-1714edc68c8b" xlink:to="loc_us-gaap_UnrealizedGainLossOnInvestments_453a44da-0ffd-4cfb-827b-c2d0d729f2a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofRealEstateInvestmentDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsScheduleofRealEstateInvestmentDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofRealEstateInvestmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_796346c4-4594-4b88-85e9-e20ee43704ba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyAtCost_5da4ef34-e3e2-4bba-902e-d8823d0b7518" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RealEstateInvestmentPropertyAtCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_796346c4-4594-4b88-85e9-e20ee43704ba" xlink:to="loc_us-gaap_RealEstateInvestmentPropertyAtCost_5da4ef34-e3e2-4bba-902e-d8823d0b7518" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyAccumulatedDepreciation_776077ca-c945-4b3a-a3cd-5ee20ef75749" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RealEstateInvestmentPropertyAccumulatedDepreciation"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_796346c4-4594-4b88-85e9-e20ee43704ba" xlink:to="loc_us-gaap_RealEstateInvestmentPropertyAccumulatedDepreciation_776077ca-c945-4b3a-a3cd-5ee20ef75749" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyNet_598c7aae-86e7-445d-9605-dda0f3882ff9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RealEstateInvestmentPropertyNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_796346c4-4594-4b88-85e9-e20ee43704ba" xlink:to="loc_us-gaap_RealEstateInvestmentPropertyNet_598c7aae-86e7-445d-9605-dda0f3882ff9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofDepreciationExpenseRelatedtoInvestmentRealEstateDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsScheduleofDepreciationExpenseRelatedtoInvestmentRealEstateDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofDepreciationExpenseRelatedtoInvestmentRealEstateDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_66c8d4f6-67bb-43c4-9b4f-82070e82ccc5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_af23e14f-43ec-436d-822a-d5772809ef3f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Depreciation"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_66c8d4f6-67bb-43c4-9b4f-82070e82ccc5" xlink:to="loc_us-gaap_Depreciation_af23e14f-43ec-436d-822a-d5772809ef3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofOtherInvestmentsDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsScheduleofOtherInvestmentsDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofOtherInvestmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_273ded5a-48f2-4bba-85c1-b79ad063b6ed" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedAtFairValue_c94f5ee3-f88d-49b6-b99b-cddc4d9cb5d3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentOwnedAtFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_273ded5a-48f2-4bba-85c1-b79ad063b6ed" xlink:to="loc_us-gaap_InvestmentOwnedAtFairValue_c94f5ee3-f88d-49b6-b99b-cddc4d9cb5d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsSummaryofUnrealizedGainsLossesInPrivateEquityInvestmentPrivateLimitedPartnershipDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsSummaryofUnrealizedGainsLossesInPrivateEquityInvestmentPrivateLimitedPartnershipDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsSummaryofUnrealizedGainsLossesInPrivateEquityInvestmentPrivateLimitedPartnershipDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_b60aef27-a324-4ce3-bcaf-8d244669ee05" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_ec65a6ce-c43b-469b-baf4-2bc3163bc5c7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_b60aef27-a324-4ce3-bcaf-8d244669ee05" xlink:to="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_ec65a6ce-c43b-469b-baf4-2bc3163bc5c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_12e6bc78-9855-44ab-bff3-bef4ef980610" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_ec65a6ce-c43b-469b-baf4-2bc3163bc5c7" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_12e6bc78-9855-44ab-bff3-bef4ef980610" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_a0c78b22-ae00-41a2-a76d-2cd539c432dd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_12e6bc78-9855-44ab-bff3-bef4ef980610" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_a0c78b22-ae00-41a2-a76d-2cd539c432dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_InvestmentInPrivateEquityLimitedPartnershipMember_8b29c9bc-fabc-43fc-8265-28385d3a0273" xlink:href="uve-20240930.xsd#uve_InvestmentInPrivateEquityLimitedPartnershipMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_a0c78b22-ae00-41a2-a76d-2cd539c432dd" xlink:to="loc_uve_InvestmentInPrivateEquityLimitedPartnershipMember_8b29c9bc-fabc-43fc-8265-28385d3a0273" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_f3752180-36b4-44a1-b4e7-bcb7da5e8d8a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_ec65a6ce-c43b-469b-baf4-2bc3163bc5c7" xlink:to="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_f3752180-36b4-44a1-b4e7-bcb7da5e8d8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnInvestments_609b7811-c873-4bf4-8e9c-8ffaaf146cbe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrealizedGainLossOnInvestments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_f3752180-36b4-44a1-b4e7-bcb7da5e8d8a" xlink:to="loc_us-gaap_UnrealizedGainLossOnInvestments_609b7811-c873-4bf4-8e9c-8ffaaf146cbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsNarrativeDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InvestmentsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_296cbdde-5a38-4c06-b9f1-04c3107809ab" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_a15da2b8-34eb-415a-adac-42e9b8723d17" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_296cbdde-5a38-4c06-b9f1-04c3107809ab" xlink:to="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_a15da2b8-34eb-415a-adac-42e9b8723d17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_85a5afd3-c267-4ec4-a0c9-677cf8d6dec9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_a15da2b8-34eb-415a-adac-42e9b8723d17" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_85a5afd3-c267-4ec4-a0c9-677cf8d6dec9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ee800d82-c6b0-4ebf-ad45-949fced8b859" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_85a5afd3-c267-4ec4-a0c9-677cf8d6dec9" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ee800d82-c6b0-4ebf-ad45-949fced8b859" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_InvestmentInPrivateEquityLimitedPartnershipMember_100fdce4-7629-4f65-86e7-3b9fa60a424e" xlink:href="uve-20240930.xsd#uve_InvestmentInPrivateEquityLimitedPartnershipMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_ee800d82-c6b0-4ebf-ad45-949fced8b859" xlink:to="loc_uve_InvestmentInPrivateEquityLimitedPartnershipMember_100fdce4-7629-4f65-86e7-3b9fa60a424e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_22a1c99f-d4f9-43bb-b16d-05748deb918a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable_a15da2b8-34eb-415a-adac-42e9b8723d17" xlink:to="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_22a1c99f-d4f9-43bb-b16d-05748deb918a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedAtFairValue_16bde11f-f8d6-495d-862e-389322558105" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentOwnedAtFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_22a1c99f-d4f9-43bb-b16d-05748deb918a" xlink:to="loc_us-gaap_InvestmentOwnedAtFairValue_16bde11f-f8d6-495d-862e-389322558105" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnInvestments_e66fc6a4-dbdd-47c9-9b6e-452151378f42" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnrealizedGainLossOnInvestments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_22a1c99f-d4f9-43bb-b16d-05748deb918a" xlink:to="loc_us-gaap_UnrealizedGainLossOnInvestments_e66fc6a4-dbdd-47c9-9b6e-452151378f42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_NetCumulativeContributionCapital_c80ded6c-cf6b-46b5-baa4-f2d9642724e1" xlink:href="uve-20240930.xsd#uve_NetCumulativeContributionCapital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems_22a1c99f-d4f9-43bb-b16d-05748deb918a" xlink:to="loc_uve_NetCumulativeContributionCapital_c80ded6c-cf6b-46b5-baa4-f2d9642724e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/ReinsuranceCurrentRatingsfromRatingAgenciesandUnsecuredNetAmountsDuefromReinsurersWhoseAggregateBalanceExceeded3ofStockholdersEquityDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#ReinsuranceCurrentRatingsfromRatingAgenciesandUnsecuredNetAmountsDuefromReinsurersWhoseAggregateBalanceExceeded3ofStockholdersEquityDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/ReinsuranceCurrentRatingsfromRatingAgenciesandUnsecuredNetAmountsDuefromReinsurersWhoseAggregateBalanceExceeded3ofStockholdersEquityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_f7939725-5d69-4f30-83d8-1aa7925c3ac5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededCreditRiskTable_e44a4907-042b-4149-a0f8-b70782dbf79b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CededCreditRiskTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_f7939725-5d69-4f30-83d8-1aa7925c3ac5" xlink:to="loc_us-gaap_CededCreditRiskTable_e44a4907-042b-4149-a0f8-b70782dbf79b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MajorCustomersAxis_5fba880c-fb33-40bc-b2b2-7f82d1f627ed" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MajorCustomersAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskTable_e44a4907-042b-4149-a0f8-b70782dbf79b" xlink:to="loc_srt_MajorCustomersAxis_5fba880c-fb33-40bc-b2b2-7f82d1f627ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain_eb5414ad-c2cc-45fc-8879-0b8b2d95c6bd" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_MajorCustomersAxis_5fba880c-fb33-40bc-b2b2-7f82d1f627ed" xlink:to="loc_srt_NameOfMajorCustomerDomain_eb5414ad-c2cc-45fc-8879-0b8b2d95c6bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_CustomersWithGreaterThan3OfEquityMember_91455dd5-7008-4ab8-89e6-538eb1d38f30" xlink:href="uve-20240930.xsd#uve_CustomersWithGreaterThan3OfEquityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_eb5414ad-c2cc-45fc-8879-0b8b2d95c6bd" xlink:to="loc_uve_CustomersWithGreaterThan3OfEquityMember_91455dd5-7008-4ab8-89e6-538eb1d38f30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_1269e013-a790-4060-a403-44f83bc95fba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskTable_e44a4907-042b-4149-a0f8-b70782dbf79b" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_1269e013-a790-4060-a403-44f83bc95fba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_078c61f2-d704-4f21-acdc-723c4f84018f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_1269e013-a790-4060-a403-44f83bc95fba" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_078c61f2-d704-4f21-acdc-723c4f84018f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityTotalMember_edd81de5-af0d-41cb-b64f-ffc940e3030e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquityTotalMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_078c61f2-d704-4f21-acdc-723c4f84018f" xlink:to="loc_us-gaap_StockholdersEquityTotalMember_edd81de5-af0d-41cb-b64f-ffc940e3030e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_89965b62-ca08-4872-b792-7dc8210c71c5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskTable_e44a4907-042b-4149-a0f8-b70782dbf79b" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_89965b62-ca08-4872-b792-7dc8210c71c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_671c0f1e-2718-4327-94e7-d5ba79b4e076" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_89965b62-ca08-4872-b792-7dc8210c71c5" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_671c0f1e-2718-4327-94e7-d5ba79b4e076" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AmountsDueFromReinsurersMember_4dbf5c7c-2036-4be2-9607-d134ec69e5d7" xlink:href="uve-20240930.xsd#uve_AmountsDueFromReinsurersMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_671c0f1e-2718-4327-94e7-d5ba79b4e076" xlink:to="loc_uve_AmountsDueFromReinsurersMember_4dbf5c7c-2036-4be2-9607-d134ec69e5d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededCreditRiskAxis_a1abe855-0fbf-4abc-8401-d8c02a1280a2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CededCreditRiskAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskTable_e44a4907-042b-4149-a0f8-b70782dbf79b" xlink:to="loc_us-gaap_CededCreditRiskAxis_a1abe855-0fbf-4abc-8401-d8c02a1280a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededCreditRiskReinsurerDomain_7546ad11-101e-4e0d-9e05-f6fe6937171d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CededCreditRiskReinsurerDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskAxis_a1abe855-0fbf-4abc-8401-d8c02a1280a2" xlink:to="loc_us-gaap_CededCreditRiskReinsurerDomain_7546ad11-101e-4e0d-9e05-f6fe6937171d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_FloridaHurricaneCatastropheFundMember_97179fe0-7d36-4b0c-9069-2de3eabb4b0f" xlink:href="uve-20240930.xsd#uve_FloridaHurricaneCatastropheFundMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskReinsurerDomain_7546ad11-101e-4e0d-9e05-f6fe6937171d" xlink:to="loc_uve_FloridaHurricaneCatastropheFundMember_97179fe0-7d36-4b0c-9069-2de3eabb4b0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AeolusReLTDMember_f7b493bd-5892-476b-bde8-bee5d45a9af7" xlink:href="uve-20240930.xsd#uve_AeolusReLTDMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskReinsurerDomain_7546ad11-101e-4e0d-9e05-f6fe6937171d" xlink:to="loc_uve_AeolusReLTDMember_f7b493bd-5892-476b-bde8-bee5d45a9af7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_VariousLloydsOfLondonSyndicatesMember_4db3ddd4-3aeb-4412-885e-32c3fba35700" xlink:href="uve-20240930.xsd#uve_VariousLloydsOfLondonSyndicatesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskReinsurerDomain_7546ad11-101e-4e0d-9e05-f6fe6937171d" xlink:to="loc_uve_VariousLloydsOfLondonSyndicatesMember_4db3ddd4-3aeb-4412-885e-32c3fba35700" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CreditRatingAMBestAxis_30b41d69-dd0f-4354-b827-a20daa35c8af" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CreditRatingAMBestAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskTable_e44a4907-042b-4149-a0f8-b70782dbf79b" xlink:to="loc_srt_CreditRatingAMBestAxis_30b41d69-dd0f-4354-b827-a20daa35c8af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CreditRatingAMBestDomain_4f041fdf-9295-4981-a4d7-f476b2c72904" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CreditRatingAMBestDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CreditRatingAMBestAxis_30b41d69-dd0f-4354-b827-a20daa35c8af" xlink:to="loc_srt_CreditRatingAMBestDomain_4f041fdf-9295-4981-a4d7-f476b2c72904" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_AMBestARatingMember_75316696-d869-4da2-893c-98db16706601" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_AMBestARatingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CreditRatingAMBestDomain_4f041fdf-9295-4981-a4d7-f476b2c72904" xlink:to="loc_srt_AMBestARatingMember_75316696-d869-4da2-893c-98db16706601" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CreditRatingStandardPoorsAxis_2dae8f77-88cb-40db-84c2-44fc42a81746" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_CreditRatingStandardPoorsAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskTable_e44a4907-042b-4149-a0f8-b70782dbf79b" xlink:to="loc_srt_CreditRatingStandardPoorsAxis_2dae8f77-88cb-40db-84c2-44fc42a81746" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ExternalCreditRatingStandardPoorsMember_f464c9a6-8679-4d8b-ba78-d8c30315e2f6" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ExternalCreditRatingStandardPoorsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CreditRatingStandardPoorsAxis_2dae8f77-88cb-40db-84c2-44fc42a81746" xlink:to="loc_srt_ExternalCreditRatingStandardPoorsMember_f464c9a6-8679-4d8b-ba78-d8c30315e2f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsAAMinusRatingMember_72e95020-aa66-42c2-8d5f-18a86188723a" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_StandardPoorsAAMinusRatingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_f464c9a6-8679-4d8b-ba78-d8c30315e2f6" xlink:to="loc_srt_StandardPoorsAAMinusRatingMember_72e95020-aa66-42c2-8d5f-18a86188723a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededCreditRiskLineItems_4f305b3e-c58a-4e34-ba40-ef3b49ff001b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CededCreditRiskLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskTable_e44a4907-042b-4149-a0f8-b70782dbf79b" xlink:to="loc_us-gaap_CededCreditRiskLineItems_4f305b3e-c58a-4e34-ba40-ef3b49ff001b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_19c4c2a2-c3da-431e-9871-e26ccd01a584" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskLineItems_4f305b3e-c58a-4e34-ba40-ef3b49ff001b" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_19c4c2a2-c3da-431e-9871-e26ccd01a584" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_ReinsuranceUnsecuredAmountsDueFromReinsurers_521f47c2-b798-452f-aee7-5ff27c80b20f" xlink:href="uve-20240930.xsd#uve_ReinsuranceUnsecuredAmountsDueFromReinsurers"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CededCreditRiskLineItems_4f305b3e-c58a-4e34-ba40-ef3b49ff001b" xlink:to="loc_uve_ReinsuranceUnsecuredAmountsDueFromReinsurers_521f47c2-b798-452f-aee7-5ff27c80b20f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/ReinsuranceReinsuranceArrangementsDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#ReinsuranceReinsuranceArrangementsDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/ReinsuranceReinsuranceArrangementsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsWritten_ec7917d0-f2f7-4da3-a5c0-0abbb066bf37" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DirectPremiumsWritten"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:to="loc_us-gaap_DirectPremiumsWritten_ec7917d0-f2f7-4da3-a5c0-0abbb066bf37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_CededPremiumsWrittenNet_129e7a7b-97c9-42f2-84ce-e7fbda1e1574" xlink:href="uve-20240930.xsd#uve_CededPremiumsWrittenNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:to="loc_uve_CededPremiumsWrittenNet_129e7a7b-97c9-42f2-84ce-e7fbda1e1574" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsWritten_3040145c-36cf-4aca-ac42-9548826998ee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CededPremiumsWritten"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:to="loc_us-gaap_CededPremiumsWritten_3040145c-36cf-4aca-ac42-9548826998ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsWrittenNet_9500e952-eedf-4af3-b73b-1f94f84651cd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PremiumsWrittenNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:to="loc_us-gaap_PremiumsWrittenNet_9500e952-eedf-4af3-b73b-1f94f84651cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsEarned_549c50b3-2eb5-4b6c-8eec-0b34e31bae83" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DirectPremiumsEarned"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:to="loc_us-gaap_DirectPremiumsEarned_549c50b3-2eb5-4b6c-8eec-0b34e31bae83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsEarned_55db9402-1cb1-491b-a936-2d552451e417" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CededPremiumsEarned"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:to="loc_us-gaap_CededPremiumsEarned_55db9402-1cb1-491b-a936-2d552451e417" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_9404259c-2d43-46a6-aac0-75e5dba2e233" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:to="loc_us-gaap_PremiumsEarnedNet_9404259c-2d43-46a6-aac0-75e5dba2e233" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross_cc7947da-e368-4c96-a603-b20d84d877eb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredGross"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross_cc7947da-e368-4c96-a603-b20d84d877eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded_87c38bb0-5312-4176-8903-d72a4ab82035" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:to="loc_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded_87c38bb0-5312-4176-8903-d72a4ab82035" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_365ac18a-7410-41c6-8746-ec24eddc9abe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_022f2f79-4791-4543-a054-a5327cb7b3b1" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_365ac18a-7410-41c6-8746-ec24eddc9abe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/ReinsurancePrepaidReinsurancePremiumsPayableandReinsuranceRecoverableandReceivableDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#ReinsurancePrepaidReinsurancePremiumsPayableandReinsuranceRecoverableandReceivableDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/ReinsurancePrepaidReinsurancePremiumsPayableandReinsuranceRecoverableandReceivableDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_35f26c80-ea2b-430b-9675-eff0a4f58f49" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidReinsurancePremiums_2d6a6714-a3e3-4ad6-bb5f-84c666b8af3d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PrepaidReinsurancePremiums"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_35f26c80-ea2b-430b-9675-eff0a4f58f49" xlink:to="loc_us-gaap_PrepaidReinsurancePremiums_2d6a6714-a3e3-4ad6-bb5f-84c666b8af3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverablesOnPaidLosses_30a6dbb1-dc3f-4acb-94bb-03d6cedf5928" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceRecoverablesOnPaidLosses"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_35f26c80-ea2b-430b-9675-eff0a4f58f49" xlink:to="loc_us-gaap_ReinsuranceRecoverablesOnPaidLosses_30a6dbb1-dc3f-4acb-94bb-03d6cedf5928" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_3177dacf-1260-48ac-89e6-62c65dbc5634" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_35f26c80-ea2b-430b-9675-eff0a4f58f49" xlink:to="loc_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_3177dacf-1260-48ac-89e6-62c65dbc5634" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverables_a79fabdf-8c0d-4d4c-a9ef-5d9defe1d80f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceRecoverables"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_35f26c80-ea2b-430b-9675-eff0a4f58f49" xlink:to="loc_us-gaap_ReinsuranceRecoverables_a79fabdf-8c0d-4d4c-a9ef-5d9defe1d80f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InsuranceOperationsBeginningandEndingBalancesandChangesinDPACNetofDRCCDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InsuranceOperationsBeginningandEndingBalancesandChangesinDPACNetofDRCCDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InsuranceOperationsBeginningandEndingBalancesandChangesinDPACNetofDRCCDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_3c8aaf78-ea29-4508-8dc0-94303bac25cb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_DeferredPolicyAcquisitionCostsRollForward_0db37ec9-59ad-4751-bdce-c2d3eae2a6e7" xlink:href="uve-20240930.xsd#uve_DeferredPolicyAcquisitionCostsRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_3c8aaf78-ea29-4508-8dc0-94303bac25cb" xlink:to="loc_uve_DeferredPolicyAcquisitionCostsRollForward_0db37ec9-59ad-4751-bdce-c2d3eae2a6e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCosts_b8441084-a3f7-4a78-b84e-95a3bd0e5ec4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredPolicyAcquisitionCosts"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_uve_DeferredPolicyAcquisitionCostsRollForward_0db37ec9-59ad-4751-bdce-c2d3eae2a6e7" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCosts_b8441084-a3f7-4a78-b84e-95a3bd0e5ec4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostsAdditions_2fc255e6-cb9d-4481-b1f2-76328533c1a3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredPolicyAcquisitionCostsAdditions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_uve_DeferredPolicyAcquisitionCostsRollForward_0db37ec9-59ad-4751-bdce-c2d3eae2a6e7" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostsAdditions_2fc255e6-cb9d-4481-b1f2-76328533c1a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense_0f0cb101-fc6f-44c0-87c9-9a6903500ca2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_uve_DeferredPolicyAcquisitionCostsRollForward_0db37ec9-59ad-4751-bdce-c2d3eae2a6e7" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense_0f0cb101-fc6f-44c0-87c9-9a6903500ca2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCosts_54db9910-f37e-4d6c-b234-7ef7a903025b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredPolicyAcquisitionCosts"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_uve_DeferredPolicyAcquisitionCostsRollForward_0db37ec9-59ad-4751-bdce-c2d3eae2a6e7" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCosts_54db9910-f37e-4d6c-b234-7ef7a903025b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InsuranceOperationsNarrativeDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InsuranceOperationsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InsuranceOperationsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_3a646683-7c3c-44f6-970b-f596868bbe18" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesTable_332b80e4-4d9a-4d97-9066-2a83893fc1e4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_3a646683-7c3c-44f6-970b-f596868bbe18" xlink:to="loc_us-gaap_StatutoryAccountingPracticesTable_332b80e4-4d9a-4d97-9066-2a83893fc1e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesByJurisdictionAxis_de5d0abc-6cdd-4f5a-bea7-b2c5f0491512" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesByJurisdictionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesTable_332b80e4-4d9a-4d97-9066-2a83893fc1e4" xlink:to="loc_us-gaap_StatutoryAccountingPracticesByJurisdictionAxis_de5d0abc-6cdd-4f5a-bea7-b2c5f0491512" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesJurisdictionDomain_7d958229-bd42-4e66-a348-b7edcedf2549" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesJurisdictionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesByJurisdictionAxis_de5d0abc-6cdd-4f5a-bea7-b2c5f0491512" xlink:to="loc_us-gaap_StatutoryAccountingPracticesJurisdictionDomain_7d958229-bd42-4e66-a348-b7edcedf2549" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_UniversalPropertyAndCasualtyInsuranceCompanyMember_3d719875-f6e5-455b-b638-1306244e7812" xlink:href="uve-20240930.xsd#uve_UniversalPropertyAndCasualtyInsuranceCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesJurisdictionDomain_7d958229-bd42-4e66-a348-b7edcedf2549" xlink:to="loc_uve_UniversalPropertyAndCasualtyInsuranceCompanyMember_3d719875-f6e5-455b-b638-1306244e7812" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember_2b1c3c02-680f-4e19-8e85-5f98e34fc70b" xlink:href="uve-20240930.xsd#uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesJurisdictionDomain_7d958229-bd42-4e66-a348-b7edcedf2549" xlink:to="loc_uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember_2b1c3c02-680f-4e19-8e85-5f98e34fc70b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember_cb079b50-2282-4fcb-8aa0-29d410c70e42" xlink:href="uve-20240930.xsd#uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesJurisdictionDomain_7d958229-bd42-4e66-a348-b7edcedf2549" xlink:to="loc_uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyAndUniversalPropertyAndCasualtyInsuranceCompanyMember_cb079b50-2282-4fcb-8aa0-29d410c70e42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_ac2479f2-f91a-4d76-9c52-d2983d5800c7" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesTable_332b80e4-4d9a-4d97-9066-2a83893fc1e4" xlink:to="loc_srt_RangeAxis_ac2479f2-f91a-4d76-9c52-d2983d5800c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_a4b3cfbf-bc30-419b-a414-3a1c5d5007fb" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_ac2479f2-f91a-4d76-9c52-d2983d5800c7" xlink:to="loc_srt_RangeMember_a4b3cfbf-bc30-419b-a414-3a1c5d5007fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_02ddb2d3-67c8-4a15-84aa-f9250cb488ab" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_a4b3cfbf-bc30-419b-a414-3a1c5d5007fb" xlink:to="loc_srt_MinimumMember_02ddb2d3-67c8-4a15-84aa-f9250cb488ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesLineItems_8d9bb0d3-a646-4b16-ae14-00c3fbbf705a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesTable_332b80e4-4d9a-4d97-9066-2a83893fc1e4" xlink:to="loc_us-gaap_StatutoryAccountingPracticesLineItems_8d9bb0d3-a646-4b16-ae14-00c3fbbf705a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashDividendsPaidToParentCompanyByConsolidatedSubsidiaries_fcf27683-a5fe-4ffc-a475-12b19135bedc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashDividendsPaidToParentCompanyByConsolidatedSubsidiaries"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesLineItems_8d9bb0d3-a646-4b16-ae14-00c3fbbf705a" xlink:to="loc_us-gaap_CashDividendsPaidToParentCompanyByConsolidatedSubsidiaries_fcf27683-a5fe-4ffc-a475-12b19135bedc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired_cfe86116-a86e-4ba5-8425-3bdec375a382" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesLineItems_8d9bb0d3-a646-4b16-ae14-00c3fbbf705a" xlink:to="loc_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusRequired_cfe86116-a86e-4ba5-8425-3bdec375a382" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_MinimumCapitalizationRate_e7a37945-ad55-4270-9309-bf5bdb8fbedc" xlink:href="uve-20240930.xsd#uve_MinimumCapitalizationRate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesLineItems_8d9bb0d3-a646-4b16-ae14-00c3fbbf705a" xlink:to="loc_uve_MinimumCapitalizationRate_e7a37945-ad55-4270-9309-bf5bdb8fbedc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InsuranceOperationsStatutoryCapitalandSurplusandanAmountRepresentingTenPercentofTotalLiabilitiesforbothUPCICandAPPCICDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InsuranceOperationsStatutoryCapitalandSurplusandanAmountRepresentingTenPercentofTotalLiabilitiesforbothUPCICandAPPCICDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InsuranceOperationsStatutoryCapitalandSurplusandanAmountRepresentingTenPercentofTotalLiabilitiesforbothUPCICandAPPCICDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_9e961ccd-3e36-423d-8dd8-84227e3051d4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesTable_b5f1fb8f-9a55-4a65-9792-41d0dd2ec4e7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_9e961ccd-3e36-423d-8dd8-84227e3051d4" xlink:to="loc_us-gaap_StatutoryAccountingPracticesTable_b5f1fb8f-9a55-4a65-9792-41d0dd2ec4e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesByJurisdictionAxis_b11659cd-4c2a-4a98-94be-0774e6e0e50e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesByJurisdictionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesTable_b5f1fb8f-9a55-4a65-9792-41d0dd2ec4e7" xlink:to="loc_us-gaap_StatutoryAccountingPracticesByJurisdictionAxis_b11659cd-4c2a-4a98-94be-0774e6e0e50e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesJurisdictionDomain_5b2d66e3-337e-49d1-9c63-00e779d133e2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesJurisdictionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesByJurisdictionAxis_b11659cd-4c2a-4a98-94be-0774e6e0e50e" xlink:to="loc_us-gaap_StatutoryAccountingPracticesJurisdictionDomain_5b2d66e3-337e-49d1-9c63-00e779d133e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_UniversalPropertyAndCasualtyInsuranceCompanyMember_f2e70330-c273-426a-bded-3e16a01c7935" xlink:href="uve-20240930.xsd#uve_UniversalPropertyAndCasualtyInsuranceCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesJurisdictionDomain_5b2d66e3-337e-49d1-9c63-00e779d133e2" xlink:to="loc_uve_UniversalPropertyAndCasualtyInsuranceCompanyMember_f2e70330-c273-426a-bded-3e16a01c7935" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember_057081ce-b286-4548-bbb8-d38f0213a1fa" xlink:href="uve-20240930.xsd#uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesJurisdictionDomain_5b2d66e3-337e-49d1-9c63-00e779d133e2" xlink:to="loc_uve_AmericanPlatinumPropertyAndCasualtyInsuranceCompanyMember_057081ce-b286-4548-bbb8-d38f0213a1fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesLineItems_57d4c442-ae4c-403e-94dd-ee227c7f1687" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesTable_b5f1fb8f-9a55-4a65-9792-41d0dd2ec4e7" xlink:to="loc_us-gaap_StatutoryAccountingPracticesLineItems_57d4c442-ae4c-403e-94dd-ee227c7f1687" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_75a317e7-55f6-4951-b35b-ad2c46c9bf80" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesLineItems_57d4c442-ae4c-403e-94dd-ee227c7f1687" xlink:to="loc_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_75a317e7-55f6-4951-b35b-ad2c46c9bf80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_StatutoryAccountingPracticesTenPercentOfStatutoryLiabilitiesBalance_767419cc-0684-4f4c-845e-06305f265cec" xlink:href="uve-20240930.xsd#uve_StatutoryAccountingPracticesTenPercentOfStatutoryLiabilitiesBalance"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesLineItems_57d4c442-ae4c-403e-94dd-ee227c7f1687" xlink:to="loc_uve_StatutoryAccountingPracticesTenPercentOfStatutoryLiabilitiesBalance_767419cc-0684-4f4c-845e-06305f265cec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InsuranceOperationsSummaryofCombinedNetIncomeforUPCICandAPPCICDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InsuranceOperationsSummaryofCombinedNetIncomeforUPCICandAPPCICDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InsuranceOperationsSummaryofCombinedNetIncomeforUPCICandAPPCICDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_3b6c7ec3-a0e0-4ec5-bd9e-a0ce9ee0647f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesStatutoryNetIncomeAmount_f7f09a3d-94cc-41e4-ac90-1ad3ebe83f93" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesStatutoryNetIncomeAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_3b6c7ec3-a0e0-4ec5-bd9e-a0ce9ee0647f" xlink:to="loc_us-gaap_StatutoryAccountingPracticesStatutoryNetIncomeAmount_f7f09a3d-94cc-41e4-ac90-1ad3ebe83f93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InsuranceOperationsAssetsHeldbyInsuranceRegulatorsDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#InsuranceOperationsAssetsHeldbyInsuranceRegulatorsDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/InsuranceOperationsAssetsHeldbyInsuranceRegulatorsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_e6f80829-6a19-4c61-9118-452570e127fd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesTable_31e3895b-3e70-4b74-b46b-4bc33e217232" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_e6f80829-6a19-4c61-9118-452570e127fd" xlink:to="loc_us-gaap_StatutoryAccountingPracticesTable_31e3895b-3e70-4b74-b46b-4bc33e217232" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_a131ba28-05d5-433f-9241-fd0d0d9bc1dc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesTable_31e3895b-3e70-4b74-b46b-4bc33e217232" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_a131ba28-05d5-433f-9241-fd0d0d9bc1dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_27bf629e-316b-4226-bad5-08e63174dcec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_a131ba28-05d5-433f-9241-fd0d0d9bc1dc" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_27bf629e-316b-4226-bad5-08e63174dcec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_RestrictedCashAndCashEquivalentsMember_f043cdfa-dfb4-49c2-84fe-ee71619f991b" xlink:href="uve-20240930.xsd#uve_RestrictedCashAndCashEquivalentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_27bf629e-316b-4226-bad5-08e63174dcec" xlink:to="loc_uve_RestrictedCashAndCashEquivalentsMember_f043cdfa-dfb4-49c2-84fe-ee71619f991b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsMember_64c988ce-d2f2-43ab-acf3-b51e4e7529da" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_27bf629e-316b-4226-bad5-08e63174dcec" xlink:to="loc_us-gaap_InvestmentsMember_64c988ce-d2f2-43ab-acf3-b51e4e7529da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_8cc53ded-4aa9-4e45-a29b-4f098e59dbfb" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesTable_31e3895b-3e70-4b74-b46b-4bc33e217232" xlink:to="loc_srt_StatementGeographicalAxis_8cc53ded-4aa9-4e45-a29b-4f098e59dbfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_b7b2f4fd-f065-43a6-b40c-b9bf216df8a7" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_8cc53ded-4aa9-4e45-a29b-4f098e59dbfb" xlink:to="loc_srt_SegmentGeographicalDomain_b7b2f4fd-f065-43a6-b40c-b9bf216df8a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_FL_34c60e2a-4ed0-4b11-b911-970cad21919e" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_FL"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_b7b2f4fd-f065-43a6-b40c-b9bf216df8a7" xlink:to="loc_stpr_FL_34c60e2a-4ed0-4b11-b911-970cad21919e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_GA_e7fc8c19-9183-4542-885e-8763b83a3352" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_GA"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_b7b2f4fd-f065-43a6-b40c-b9bf216df8a7" xlink:to="loc_stpr_GA_e7fc8c19-9183-4542-885e-8763b83a3352" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NC_28524ee5-ea12-466f-a2c0-c5d5905eb932" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_NC"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_b7b2f4fd-f065-43a6-b40c-b9bf216df8a7" xlink:to="loc_stpr_NC_28524ee5-ea12-466f-a2c0-c5d5905eb932" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_HI_6a5fca80-038f-4da2-9531-94fa573c305a" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_HI"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_b7b2f4fd-f065-43a6-b40c-b9bf216df8a7" xlink:to="loc_stpr_HI_6a5fca80-038f-4da2-9531-94fa573c305a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_MA_870bfd4f-8e5a-40ca-9d73-18ff747fef0f" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_MA"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_b7b2f4fd-f065-43a6-b40c-b9bf216df8a7" xlink:to="loc_stpr_MA_870bfd4f-8e5a-40ca-9d73-18ff747fef0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_SC_78be5fc9-3c96-4fb6-9859-7b32b2808668" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_SC"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_b7b2f4fd-f065-43a6-b40c-b9bf216df8a7" xlink:to="loc_stpr_SC_78be5fc9-3c96-4fb6-9859-7b32b2808668" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_VA_5dec0192-16bc-4551-a816-c0286770f99d" xlink:href="https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd#stpr_VA"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_b7b2f4fd-f065-43a6-b40c-b9bf216df8a7" xlink:to="loc_stpr_VA_5dec0192-16bc-4551-a816-c0286770f99d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesLineItems_6df9932b-e76e-4f0d-b8f7-75f7324bc4c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatutoryAccountingPracticesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesTable_31e3895b-3e70-4b74-b46b-4bc33e217232" xlink:to="loc_us-gaap_StatutoryAccountingPracticesLineItems_6df9932b-e76e-4f0d-b8f7-75f7324bc4c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsHeldByInsuranceRegulators_96fc5b26-f262-4473-8199-6ffea31e7cb4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsHeldByInsuranceRegulators"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatutoryAccountingPracticesLineItems_6df9932b-e76e-4f0d-b8f7-75f7324bc4c3" xlink:to="loc_us-gaap_AssetsHeldByInsuranceRegulators_96fc5b26-f262-4473-8199-6ffea31e7cb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LiabilityforUnpaidLossesandLossAdjustmentExpensesChangeinLiabilityforUnpaidLossesandLAEDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#LiabilityforUnpaidLossesandLossAdjustmentExpensesChangeinLiabilityforUnpaidLossesandLAEDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/LiabilityforUnpaidLossesandLossAdjustmentExpensesChangeinLiabilityforUnpaidLossesandLAEDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_b3de9c72-a6f8-4bfd-b44b-0be1c4a33916" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_b3de9c72-a6f8-4bfd-b44b-0be1c4a33916" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_59b735eb-667e-4582-88f9-b70b789276f8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_59b735eb-667e-4582-88f9-b70b789276f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_aa1d4a57-d64d-4dd5-9bbb-d2d0984bc9be" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_aa1d4a57-d64d-4dd5-9bbb-d2d0984bc9be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedPeriodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_1b1046d6-4a70-4d69-ac0f-17069b37d424" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_1b1046d6-4a70-4d69-ac0f-17069b37d424" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_0ba7e4ac-0c5f-4617-937c-6db2cb8e9a2b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_0ba7e4ac-0c5f-4617-937c-6db2cb8e9a2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_5a245ddf-d5aa-4216-80f4-33a2c4962a0a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_5a245ddf-d5aa-4216-80f4-33a2c4962a0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_84eb9aec-a7a4-4cc8-9372-6db078a0844b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_84eb9aec-a7a4-4cc8-9372-6db078a0844b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_55192562-a738-4b1c-b2b2-62d825bd690c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_55192562-a738-4b1c-b2b2-62d825bd690c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYearsNetOfCommutationReceived_6046c342-ee13-41df-93f0-c282ef60174f" xlink:href="uve-20240930.xsd#uve_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYearsNetOfCommutationReceived"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_uve_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYearsNetOfCommutationReceived_6046c342-ee13-41df-93f0-c282ef60174f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_f815aa75-9bf7-4d58-b4b5-adf410f8765a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_f815aa75-9bf7-4d58-b4b5-adf410f8765a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_f56bbb4d-0228-4a8f-95db-12c0ab905501" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_f56bbb4d-0228-4a8f-95db-12c0ab905501" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_411cd77d-6908-4cdb-bd2a-3e1ceb65e57a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_411cd77d-6908-4cdb-bd2a-3e1ceb65e57a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_afefe225-9a39-4296-9bb0-f99a7e011cfe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_afefe225-9a39-4296-9bb0-f99a7e011cfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_e3b3d2a1-88cb-4f02-9cc3-befc6eae2711" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetAbstract_9e824fef-f60a-4f1f-a618-2553c433e65f" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_e3b3d2a1-88cb-4f02-9cc3-befc6eae2711" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LiabilityforUnpaidLossesandLossAdjustmentExpensesNarrativeDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#LiabilityforUnpaidLossesandLossAdjustmentExpensesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/LiabilityforUnpaidLossesandLossAdjustmentExpensesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_e596a75d-7db2-4feb-b8d4-a440b3d02665" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable_70ba4884-76a7-4cc8-b342-b202a3c77b61" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_e596a75d-7db2-4feb-b8d4-a440b3d02665" xlink:to="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable_70ba4884-76a7-4cc8-b342-b202a3c77b61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForCatastropheClaimsByCatastrophicEventAxis_953c7680-28f6-4dbd-8953-0063021b464a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForCatastropheClaimsByCatastrophicEventAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable_70ba4884-76a7-4cc8-b342-b202a3c77b61" xlink:to="loc_us-gaap_LiabilityForCatastropheClaimsByCatastrophicEventAxis_953c7680-28f6-4dbd-8953-0063021b464a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CatastrophicEventDomain_30ad5db5-a248-437d-8572-a02762c759b1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CatastrophicEventDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForCatastropheClaimsByCatastrophicEventAxis_953c7680-28f6-4dbd-8953-0063021b464a" xlink:to="loc_us-gaap_CatastrophicEventDomain_30ad5db5-a248-437d-8572-a02762c759b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_AdversePriorYearsReserveDevelopmentMember_1cc35ebb-02bb-44c9-bfdb-82cc4a4825b9" xlink:href="uve-20240930.xsd#uve_AdversePriorYearsReserveDevelopmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CatastrophicEventDomain_30ad5db5-a248-437d-8572-a02762c759b1" xlink:to="loc_uve_AdversePriorYearsReserveDevelopmentMember_1cc35ebb-02bb-44c9-bfdb-82cc4a4825b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_44eceb78-7752-4ea4-8da0-34f3df42a30c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable_70ba4884-76a7-4cc8-b342-b202a3c77b61" xlink:to="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_44eceb78-7752-4ea4-8da0-34f3df42a30c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_f6d2c920-36b4-4ef9-8ee8-3f64420f1f2e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_44eceb78-7752-4ea4-8da0-34f3df42a30c" xlink:to="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_f6d2c920-36b4-4ef9-8ee8-3f64420f1f2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_5fbab0b5-95b1-4abd-ae9b-4dfac74d4702" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_44eceb78-7752-4ea4-8da0-34f3df42a30c" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_5fbab0b5-95b1-4abd-ae9b-4dfac74d4702" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_5a13c431-0f17-4faf-a7a2-0b92e9a6e33c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_44eceb78-7752-4ea4-8da0-34f3df42a30c" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_5a13c431-0f17-4faf-a7a2-0b92e9a6e33c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross_6a9047a6-920b-44ea-9cc6-c65c2e09c3f6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredGross"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_44eceb78-7752-4ea4-8da0-34f3df42a30c" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross_6a9047a6-920b-44ea-9cc6-c65c2e09c3f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LongtermDebtScheduleofLongTermDebtDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#LongtermDebtScheduleofLongTermDebtDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/LongtermDebtScheduleofLongTermDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_261b48aa-ba6a-4025-b11e-c4cbf3dd737b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_e2fc46eb-82ef-4531-8c0e-f779044f825a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_261b48aa-ba6a-4025-b11e-c4cbf3dd737b" xlink:to="loc_us-gaap_DebtInstrumentTable_e2fc46eb-82ef-4531-8c0e-f779044f825a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_9b12b74b-9cb3-4c10-a819-efd433e36059" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_e2fc46eb-82ef-4531-8c0e-f779044f825a" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_9b12b74b-9cb3-4c10-a819-efd433e36059" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_d682e5e0-8336-48c1-b082-72101f11251b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_9b12b74b-9cb3-4c10-a819-efd433e36059" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_d682e5e0-8336-48c1-b082-72101f11251b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_SurplusNoteMember_cbb5165c-8a62-4a48-b9be-7b834252d7bb" xlink:href="uve-20240930.xsd#uve_SurplusNoteMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_d682e5e0-8336-48c1-b082-72101f11251b" xlink:to="loc_uve_SurplusNoteMember_cbb5165c-8a62-4a48-b9be-7b834252d7bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_SeniorUnsecuredFixedRateNotesMember_7fba3fbd-08e5-4893-9666-6939eb458395" xlink:href="uve-20240930.xsd#uve_SeniorUnsecuredFixedRateNotesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_d682e5e0-8336-48c1-b082-72101f11251b" xlink:to="loc_uve_SeniorUnsecuredFixedRateNotesMember_7fba3fbd-08e5-4893-9666-6939eb458395" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_bc505170-7207-459b-abe2-a49ce97f4bb6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_d682e5e0-8336-48c1-b082-72101f11251b" xlink:to="loc_us-gaap_UnsecuredDebtMember_bc505170-7207-459b-abe2-a49ce97f4bb6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_abd79a97-76ac-4aaf-a3aa-9e0703d570e6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_e2fc46eb-82ef-4531-8c0e-f779044f825a" xlink:to="loc_us-gaap_DebtInstrumentAxis_abd79a97-76ac-4aaf-a3aa-9e0703d570e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_20f82d44-54bb-4640-9b39-f2de40c4cee8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_abd79a97-76ac-4aaf-a3aa-9e0703d570e6" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_20f82d44-54bb-4640-9b39-f2de40c4cee8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_A5625SeniorUnsecuredNotesDue2026Member_8caa239e-0229-4567-9f07-0be42af36a1a" xlink:href="uve-20240930.xsd#uve_A5625SeniorUnsecuredNotesDue2026Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_20f82d44-54bb-4640-9b39-f2de40c4cee8" xlink:to="loc_uve_A5625SeniorUnsecuredNotesDue2026Member_8caa239e-0229-4567-9f07-0be42af36a1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_56516bb5-ff9c-4f94-9d7e-dd1b5cad50c4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_e2fc46eb-82ef-4531-8c0e-f779044f825a" xlink:to="loc_us-gaap_DebtInstrumentLineItems_56516bb5-ff9c-4f94-9d7e-dd1b5cad50c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_906149e2-4eb5-4734-aecd-f9f43a774d90" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_56516bb5-ff9c-4f94-9d7e-dd1b5cad50c4" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_906149e2-4eb5-4734-aecd-f9f43a774d90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_3f9b044a-9b78-4abf-b0f8-b283fbb631eb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_56516bb5-ff9c-4f94-9d7e-dd1b5cad50c4" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_3f9b044a-9b78-4abf-b0f8-b283fbb631eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_5b39b124-4c60-4083-a43f-f7e00a5e4202" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_56516bb5-ff9c-4f94-9d7e-dd1b5cad50c4" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_5b39b124-4c60-4083-a43f-f7e00a5e4202" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_2f701cf7-b3c7-4d70-b64c-3973fd6730ef" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_56516bb5-ff9c-4f94-9d7e-dd1b5cad50c4" xlink:to="loc_us-gaap_LongTermDebt_2f701cf7-b3c7-4d70-b64c-3973fd6730ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LongtermDebtNarrativeDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#LongtermDebtNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/LongtermDebtNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_89b24faf-b170-42a2-91be-06e33b8b84b0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_a6e8b17a-09d6-40fa-9ead-5dd6f8367f9c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_89b24faf-b170-42a2-91be-06e33b8b84b0" xlink:to="loc_us-gaap_DebtInstrumentTable_a6e8b17a-09d6-40fa-9ead-5dd6f8367f9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_fa38e419-ba6a-4ebf-a391-bbd09e6c6953" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_a6e8b17a-09d6-40fa-9ead-5dd6f8367f9c" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_fa38e419-ba6a-4ebf-a391-bbd09e6c6953" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_e7b38745-a59b-4034-bac2-1d718f826394" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_fa38e419-ba6a-4ebf-a391-bbd09e6c6953" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_e7b38745-a59b-4034-bac2-1d718f826394" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_SurplusNoteMember_bd2ce8ba-1abb-4b14-a08a-bcef7b5a33bc" xlink:href="uve-20240930.xsd#uve_SurplusNoteMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_e7b38745-a59b-4034-bac2-1d718f826394" xlink:to="loc_uve_SurplusNoteMember_bd2ce8ba-1abb-4b14-a08a-bcef7b5a33bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_41a032a8-cea9-4352-b599-a2dcf4ba3368" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_e7b38745-a59b-4034-bac2-1d718f826394" xlink:to="loc_us-gaap_UnsecuredDebtMember_41a032a8-cea9-4352-b599-a2dcf4ba3368" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_3ba57cd1-a7f4-4076-b5de-90a3b7b04049" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_a6e8b17a-09d6-40fa-9ead-5dd6f8367f9c" xlink:to="loc_us-gaap_DebtInstrumentAxis_3ba57cd1-a7f4-4076-b5de-90a3b7b04049" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_467ba365-4b09-4c37-8393-57472be5da0a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_3ba57cd1-a7f4-4076-b5de-90a3b7b04049" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_467ba365-4b09-4c37-8393-57472be5da0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_A5625SeniorUnsecuredNotesDue2026Member_d84053b9-c743-4acf-b353-f0c0c356c61e" xlink:href="uve-20240930.xsd#uve_A5625SeniorUnsecuredNotesDue2026Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_467ba365-4b09-4c37-8393-57472be5da0a" xlink:to="loc_uve_A5625SeniorUnsecuredNotesDue2026Member_d84053b9-c743-4acf-b353-f0c0c356c61e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_A2024RevolvingLoanCreditFacilityMember_16e470f5-f199-420c-933a-7a8462c6a292" xlink:href="uve-20240930.xsd#uve_A2024RevolvingLoanCreditFacilityMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_467ba365-4b09-4c37-8393-57472be5da0a" xlink:to="loc_uve_A2024RevolvingLoanCreditFacilityMember_16e470f5-f199-420c-933a-7a8462c6a292" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_A2023RevolvingLoanCreditFacilityMember_45cccea3-c2be-46cf-a6f6-c05ffcdbddfd" xlink:href="uve-20240930.xsd#uve_A2023RevolvingLoanCreditFacilityMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_467ba365-4b09-4c37-8393-57472be5da0a" xlink:to="loc_uve_A2023RevolvingLoanCreditFacilityMember_45cccea3-c2be-46cf-a6f6-c05ffcdbddfd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_6104b90d-e90d-4bc1-b7d4-77505d2d90ee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRedemptionPeriodAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_a6e8b17a-09d6-40fa-9ead-5dd6f8367f9c" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_6104b90d-e90d-4bc1-b7d4-77505d2d90ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_852c15d4-30fb-459a-bec9-dfd73d5a7ba0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRedemptionPeriodDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_6104b90d-e90d-4bc1-b7d4-77505d2d90ee" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_852c15d4-30fb-459a-bec9-dfd73d5a7ba0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodOneMember_b3ab50f4-c09c-48da-bf3a-8f64e5f87bdf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRedemptionPeriodOneMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_852c15d4-30fb-459a-bec9-dfd73d5a7ba0" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodOneMember_b3ab50f4-c09c-48da-bf3a-8f64e5f87bdf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodTwoMember_dacaf217-da8a-455f-b068-7ee7ef871058" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRedemptionPeriodTwoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_852c15d4-30fb-459a-bec9-dfd73d5a7ba0" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodTwoMember_dacaf217-da8a-455f-b068-7ee7ef871058" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodThreeMember_7a6b83e5-8d06-40e5-af9f-e6f7d5b49c86" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRedemptionPeriodThreeMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_852c15d4-30fb-459a-bec9-dfd73d5a7ba0" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodThreeMember_7a6b83e5-8d06-40e5-af9f-e6f7d5b49c86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_83a226f9-4c0b-4daa-acf8-5d342ad8d5d8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditFacilityAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_a6e8b17a-09d6-40fa-9ead-5dd6f8367f9c" xlink:to="loc_us-gaap_CreditFacilityAxis_83a226f9-4c0b-4daa-acf8-5d342ad8d5d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_bdd0655e-3a07-4ec2-b768-80db183846e4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CreditFacilityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_83a226f9-4c0b-4daa-acf8-5d342ad8d5d8" xlink:to="loc_us-gaap_CreditFacilityDomain_bdd0655e-3a07-4ec2-b768-80db183846e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_337fce29-9b5e-4a28-a2bf-c5ce9e59d794" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevolvingCreditFacilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_bdd0655e-3a07-4ec2-b768-80db183846e4" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_337fce29-9b5e-4a28-a2bf-c5ce9e59d794" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_a6e8b17a-09d6-40fa-9ead-5dd6f8367f9c" xlink:to="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_d9bb84a1-9912-422f-aa77-0b18073a93e3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_d9bb84a1-9912-422f-aa77-0b18073a93e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtTerm_dfc673a5-140f-47cc-b8d2-41b44f279253" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtTerm"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:to="loc_us-gaap_LongTermDebtTerm_dfc673a5-140f-47cc-b8d2-41b44f279253" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_940b6929-f59a-471c-9021-0ff33fd15296" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_940b6929-f59a-471c-9021-0ff33fd15296" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRepurchasedFaceAmount_becfe622-0abf-4391-a20f-70ec74bea378" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRepurchasedFaceAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:to="loc_us-gaap_DebtInstrumentRepurchasedFaceAmount_becfe622-0abf-4391-a20f-70ec74bea378" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_12aaa517-746b-4350-9e92-0802604d8ba2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentRedemptionPricePercentage"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPricePercentage_12aaa517-746b-4350-9e92-0802604d8ba2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_DebtInstrumentRedemptionPricePeriod_53584952-d73f-4e43-bdee-6c4d65268851" xlink:href="uve-20240930.xsd#uve_DebtInstrumentRedemptionPricePeriod"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:to="loc_uve_DebtInstrumentRedemptionPricePeriod_53584952-d73f-4e43-bdee-6c4d65268851" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_73927b58-15df-418b-96c7-7bfe91cd58e3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_73927b58-15df-418b-96c7-7bfe91cd58e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_67b9a895-1b93-43e6-9a86-890a5d265728" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:to="loc_us-gaap_LineOfCreditFacilityUnusedCapacityCommitmentFeePercentage_67b9a895-1b93-43e6-9a86-890a5d265728" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_749eb736-c54d-47dc-9915-19f8830cf91a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_4b64892d-5d1c-4f19-ad1e-54bd7c7635be" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_749eb736-c54d-47dc-9915-19f8830cf91a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LongTermDebtInterestExpenseDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#LongTermDebtInterestExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/LongTermDebtInterestExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_a2d09e26-7a77-4bb8-bffe-577d7287ca23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_7cd2620a-f909-4d55-a402-60c32035f53c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_a2d09e26-7a77-4bb8-bffe-577d7287ca23" xlink:to="loc_us-gaap_DebtInstrumentTable_7cd2620a-f909-4d55-a402-60c32035f53c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_3dba52b6-33f5-4986-bbda-27899fb48dfb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_7cd2620a-f909-4d55-a402-60c32035f53c" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_3dba52b6-33f5-4986-bbda-27899fb48dfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_65519dca-2265-4d36-960f-c695e93f874d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_3dba52b6-33f5-4986-bbda-27899fb48dfb" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_65519dca-2265-4d36-960f-c695e93f874d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_SurplusNoteMember_05aaa93a-4a68-4921-9922-41bcc76ccd42" xlink:href="uve-20240930.xsd#uve_SurplusNoteMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_65519dca-2265-4d36-960f-c695e93f874d" xlink:to="loc_uve_SurplusNoteMember_05aaa93a-4a68-4921-9922-41bcc76ccd42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_SeniorUnsecuredFixedRateNotesMember_9ea96e4d-ab86-4032-be38-3fa96573d220" xlink:href="uve-20240930.xsd#uve_SeniorUnsecuredFixedRateNotesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_65519dca-2265-4d36-960f-c695e93f874d" xlink:to="loc_uve_SeniorUnsecuredFixedRateNotesMember_9ea96e4d-ab86-4032-be38-3fa96573d220" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_c8cfa4c3-cb6c-4ea4-9be4-0d5088952d88" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_65519dca-2265-4d36-960f-c695e93f874d" xlink:to="loc_us-gaap_UnsecuredDebtMember_c8cfa4c3-cb6c-4ea4-9be4-0d5088952d88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_4cce0057-063b-49e6-b4fb-e066b65818fe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_7cd2620a-f909-4d55-a402-60c32035f53c" xlink:to="loc_us-gaap_DebtInstrumentAxis_4cce0057-063b-49e6-b4fb-e066b65818fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_2adba005-d4ae-4809-a657-e8e15d22610e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_4cce0057-063b-49e6-b4fb-e066b65818fe" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_2adba005-d4ae-4809-a657-e8e15d22610e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_A5625SeniorUnsecuredNotesDue2026Member_e1a26010-56ab-4dd5-8097-7f358b8b6b34" xlink:href="uve-20240930.xsd#uve_A5625SeniorUnsecuredNotesDue2026Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_2adba005-d4ae-4809-a657-e8e15d22610e" xlink:to="loc_uve_A5625SeniorUnsecuredNotesDue2026Member_e1a26010-56ab-4dd5-8097-7f358b8b6b34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_fb0f954b-c946-4a69-9ca1-2b86215cb164" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_7cd2620a-f909-4d55-a402-60c32035f53c" xlink:to="loc_us-gaap_DebtInstrumentLineItems_fb0f954b-c946-4a69-9ca1-2b86215cb164" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_719b1693-1113-43a2-9e3f-036d76d020d6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_fb0f954b-c946-4a69-9ca1-2b86215cb164" xlink:to="loc_us-gaap_InterestExpense_719b1693-1113-43a2-9e3f-036d76d020d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_923270ee-42d8-401e-b452-dcf5751fc658" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_fb0f954b-c946-4a69-9ca1-2b86215cb164" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_923270ee-42d8-401e-b452-dcf5751fc658" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_210cdd9d-722c-46b0-a740-d7b938b4acad" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_fb0f954b-c946-4a69-9ca1-2b86215cb164" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_210cdd9d-722c-46b0-a740-d7b938b4acad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/StockholdersEquityDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#StockholdersEquityDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/StockholdersEquityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_e55170d5-0fa9-4de2-a3ce-02730a39e65a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_ScheduleOfEquityTable_02c69325-5225-402d-8e3c-22e5291c017b" xlink:href="uve-20240930.xsd#uve_ScheduleOfEquityTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_e55170d5-0fa9-4de2-a3ce-02730a39e65a" xlink:to="loc_uve_ScheduleOfEquityTable_02c69325-5225-402d-8e3c-22e5291c017b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramAxis_23708e16-6544-44bf-ab80-8b775ce26db7" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_uve_ScheduleOfEquityTable_02c69325-5225-402d-8e3c-22e5291c017b" xlink:to="loc_srt_ShareRepurchaseProgramAxis_23708e16-6544-44bf-ab80-8b775ce26db7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain_76fe9929-071d-4a88-b0fa-638bc600f6c0" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramAxis_23708e16-6544-44bf-ab80-8b775ce26db7" xlink:to="loc_srt_ShareRepurchaseProgramDomain_76fe9929-071d-4a88-b0fa-638bc600f6c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_MarchTwoThousandTwentyFourShareRepurchaseProgramMember_0b40e99e-f2fc-442e-89ad-d4a98fec326a" xlink:href="uve-20240930.xsd#uve_MarchTwoThousandTwentyFourShareRepurchaseProgramMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramDomain_76fe9929-071d-4a88-b0fa-638bc600f6c0" xlink:to="loc_uve_MarchTwoThousandTwentyFourShareRepurchaseProgramMember_0b40e99e-f2fc-442e-89ad-d4a98fec326a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_JuneTwoThousandTwentyThreeShareRepurchaseProgramMember_4e0e4891-1de4-4f85-a1b4-a1bc289737ba" xlink:href="uve-20240930.xsd#uve_JuneTwoThousandTwentyThreeShareRepurchaseProgramMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramDomain_76fe9929-071d-4a88-b0fa-638bc600f6c0" xlink:to="loc_uve_JuneTwoThousandTwentyThreeShareRepurchaseProgramMember_4e0e4891-1de4-4f85-a1b4-a1bc289737ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_DecemberTwoThousandTwentyTwoShareRepurchaseProgramMember_79574bc3-8ffe-457c-b87c-6f4fc5800733" xlink:href="uve-20240930.xsd#uve_DecemberTwoThousandTwentyTwoShareRepurchaseProgramMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramDomain_76fe9929-071d-4a88-b0fa-638bc600f6c0" xlink:to="loc_uve_DecemberTwoThousandTwentyTwoShareRepurchaseProgramMember_79574bc3-8ffe-457c-b87c-6f4fc5800733" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_EquityLineItems_d08433d0-d2aa-4bd0-987c-517840735993" xlink:href="uve-20240930.xsd#uve_EquityLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_uve_ScheduleOfEquityTable_02c69325-5225-402d-8e3c-22e5291c017b" xlink:to="loc_uve_EquityLineItems_d08433d0-d2aa-4bd0-987c-517840735993" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StockRepurchaseProgramAuthorizedAmount1_4df0a775-39bc-46d3-8c27-82e3281823ad" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_uve_EquityLineItems_d08433d0-d2aa-4bd0-987c-517840735993" xlink:to="loc_srt_StockRepurchaseProgramAuthorizedAmount1_4df0a775-39bc-46d3-8c27-82e3281823ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_aabfc7e7-2651-4b5f-8820-7abdf9502813" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_uve_EquityLineItems_d08433d0-d2aa-4bd0-987c-517840735993" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_aabfc7e7-2651-4b5f-8820-7abdf9502813" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_bc926e00-f786-4951-b3a1-4fa21ca39dd2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_uve_EquityLineItems_d08433d0-d2aa-4bd0-987c-517840735993" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_bc926e00-f786-4951-b3a1-4fa21ca39dd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_8bc7872b-ac79-47d0-8b40-1dfb351c46c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_uve_EquityLineItems_d08433d0-d2aa-4bd0-987c-517840735993" xlink:to="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_8bc7872b-ac79-47d0-8b40-1dfb351c46c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/IncomeTaxesNarrativeDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#IncomeTaxesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/IncomeTaxesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_b6abe5ab-bb72-472b-ae84-7d1eb392e7b4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_9a1858e8-8f69-4b61-bf67-c9546e65d70b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_b6abe5ab-bb72-472b-ae84-7d1eb392e7b4" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_9a1858e8-8f69-4b61-bf67-c9546e65d70b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/IncomeTaxesReconcilesStatutoryFederalIncomeTaxRatetoCompanysEffectiveTaxRateDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#IncomeTaxesReconcilesStatutoryFederalIncomeTaxRatetoCompanysEffectiveTaxRateDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/IncomeTaxesReconcilesStatutoryFederalIncomeTaxRatetoCompanysEffectiveTaxRateDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_a5d40857-bdc8-4be6-871e-f1f64b9e3d55" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1b8400da-29c7-40f2-a22a-4a2bcdf23559" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_a5d40857-bdc8-4be6-871e-f1f64b9e3d55" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1b8400da-29c7-40f2-a22a-4a2bcdf23559" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract_c6626342-a55e-49f6-b714-b402e3681335" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_a5d40857-bdc8-4be6-871e-f1f64b9e3d55" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract_c6626342-a55e-49f6-b714-b402e3681335" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_90cc1d02-b235-4d10-bd4f-dbf3e76e23bc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract_c6626342-a55e-49f6-b714-b402e3681335" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_90cc1d02-b235-4d10-bd4f-dbf3e76e23bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost_6a4a9970-091d-4718-be88-7b043129a763" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract_c6626342-a55e-49f6-b714-b402e3681335" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost_6a4a9970-091d-4718-be88-7b043129a763" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent_22b86970-8549-49db-bae2-4d54ed6ccf76" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract_c6626342-a55e-49f6-b714-b402e3681335" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent_22b86970-8549-49db-bae2-4d54ed6ccf76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense_403a2666-afa4-45df-a934-d24b659acd80" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract_c6626342-a55e-49f6-b714-b402e3681335" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense_403a2666-afa4-45df-a934-d24b659acd80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsDividends_731cb1a6-aee8-46d5-a6a7-552dd2555abf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsDividends"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract_c6626342-a55e-49f6-b714-b402e3681335" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationDeductionsDividends_731cb1a6-aee8-46d5-a6a7-552dd2555abf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_ef24512e-dea6-4589-aed3-52c165f43e0c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract_c6626342-a55e-49f6-b714-b402e3681335" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_ef24512e-dea6-4589-aed3-52c165f43e0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_48c76b5d-516f-4b66-bae7-1e063d996db1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAbstract_c6626342-a55e-49f6-b714-b402e3681335" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_48c76b5d-516f-4b66-bae7-1e063d996db1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/EarningsLossPerShareDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#EarningsLossPerShareDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/EarningsLossPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_62d4a3e9-3770-4880-904e-1f1174c07594" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAbstract_b7aba53e-d0be-4ae6-9714-069883ca07fe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_62d4a3e9-3770-4880-904e-1f1174c07594" xlink:to="loc_us-gaap_NetIncomeLossAbstract_b7aba53e-d0be-4ae6-9714-069883ca07fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_d33e884f-cc43-42bb-99b0-8788862fb276" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAbstract_b7aba53e-d0be-4ae6-9714-069883ca07fe" xlink:to="loc_us-gaap_NetIncomeLoss_d33e884f-cc43-42bb-99b0-8788862fb276" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_24965d65-66d8-4c7b-9d7c-6975408dd443" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAbstract_b7aba53e-d0be-4ae6-9714-069883ca07fe" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_24965d65-66d8-4c7b-9d7c-6975408dd443" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_2cc42ec0-cf2f-4ea8-8566-3f6e0cfd6c79" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAbstract_b7aba53e-d0be-4ae6-9714-069883ca07fe" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_2cc42ec0-cf2f-4ea8-8566-3f6e0cfd6c79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a87d19f8-089e-4ff1-a34d-8a460b6f6662" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_62d4a3e9-3770-4880-904e-1f1174c07594" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a87d19f8-089e-4ff1-a34d-8a460b6f6662" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_7af6047d-6e58-4e6e-a53f-553b6109b66c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a87d19f8-089e-4ff1-a34d-8a460b6f6662" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_7af6047d-6e58-4e6e-a53f-553b6109b66c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_0840883e-6da5-432e-b11e-f6db47ea9f92" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a87d19f8-089e-4ff1-a34d-8a460b6f6662" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_0840883e-6da5-432e-b11e-f6db47ea9f92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock_32c2bf47-53fb-4596-bebc-21dfb073a236" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a87d19f8-089e-4ff1-a34d-8a460b6f6662" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock_32c2bf47-53fb-4596-bebc-21dfb073a236" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ea4bb246-1285-4945-b0d3-b1cf30b878e4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_a87d19f8-089e-4ff1-a34d-8a460b6f6662" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ea4bb246-1285-4945-b0d3-b1cf30b878e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_f859ffaa-4425-4fdf-a450-f8a7a12e4656" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_62d4a3e9-3770-4880-904e-1f1174c07594" xlink:to="loc_us-gaap_EarningsPerShareBasic_f859ffaa-4425-4fdf-a450-f8a7a12e4656" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_6d42022b-24ab-4769-aa34-eac68c0bf662" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_62d4a3e9-3770-4880-904e-1f1174c07594" xlink:to="loc_us-gaap_EarningsPerShareDiluted_6d42022b-24ab-4769-aa34-eac68c0bf662" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLossComponentsofOtherComprehensiveIncomelossPreTaxandAfterTaxDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#OtherComprehensiveIncomeLossComponentsofOtherComprehensiveIncomelossPreTaxandAfterTaxDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLossComponentsofOtherComprehensiveIncomelossPreTaxandAfterTaxDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_3bdc9ba6-e5ff-4059-9939-23ee6aa51494" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_cb573480-44ac-447c-a6d5-7d3c19cdf998" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_3bdc9ba6-e5ff-4059-9939-23ee6aa51494" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_cb573480-44ac-447c-a6d5-7d3c19cdf998" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_b0a27b77-da16-4954-b15f-62e705f89ed0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_cb573480-44ac-447c-a6d5-7d3c19cdf998" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_b0a27b77-da16-4954-b15f-62e705f89ed0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_3c4840e7-da72-4bbf-ae9f-86f057fbdb1e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_b0a27b77-da16-4954-b15f-62e705f89ed0" xlink:to="loc_us-gaap_EquityComponentDomain_3c4840e7-da72-4bbf-ae9f-86f057fbdb1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_f56671c2-aed7-423b-b0b3-78b2fbbbae5a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_3c4840e7-da72-4bbf-ae9f-86f057fbdb1e" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_f56671c2-aed7-423b-b0b3-78b2fbbbae5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_fb781197-cc50-42b9-b81f-56b14c2d0e63" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_cb573480-44ac-447c-a6d5-7d3c19cdf998" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_fb781197-cc50-42b9-b81f-56b14c2d0e63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_94f5baa7-e680-45e2-b238-7daa3ded4c9b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_fb781197-cc50-42b9-b81f-56b14c2d0e63" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_94f5baa7-e680-45e2-b238-7daa3ded4c9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_6f7766b7-5e25-4504-a4ee-53a445587ffb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_94f5baa7-e680-45e2-b238-7daa3ded4c9b" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_6f7766b7-5e25-4504-a4ee-53a445587ffb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_ce4b7e82-cc22-45ee-ba3d-30470694e26c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_94f5baa7-e680-45e2-b238-7daa3ded4c9b" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_ce4b7e82-cc22-45ee-ba3d-30470694e26c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_106a1fd6-f7b1-44bc-b550-2c53f489cc4c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_94f5baa7-e680-45e2-b238-7daa3ded4c9b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_106a1fd6-f7b1-44bc-b550-2c53f489cc4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_a2195701-3ce8-4400-a940-7423a1f1983b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossTaxAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_fb781197-cc50-42b9-b81f-56b14c2d0e63" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_a2195701-3ce8-4400-a940-7423a1f1983b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_48549430-8c4c-4481-9622-5a789570c9dc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_a2195701-3ce8-4400-a940-7423a1f1983b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_48549430-8c4c-4481-9622-5a789570c9dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_0e05fc3f-e34d-4511-8588-ed4ec44a5fe5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_a2195701-3ce8-4400-a940-7423a1f1983b" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_0e05fc3f-e34d-4511-8588-ed4ec44a5fe5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_98851020-3468-4638-a44b-3d964a104cb5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_a2195701-3ce8-4400-a940-7423a1f1983b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_98851020-3468-4638-a44b-3d964a104cb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_8307106d-9941-4542-815a-6007d4de7566" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_fb781197-cc50-42b9-b81f-56b14c2d0e63" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_8307106d-9941-4542-815a-6007d4de7566" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_c374d6a7-2883-40cc-86f4-87c66c0fdfbf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_8307106d-9941-4542-815a-6007d4de7566" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_c374d6a7-2883-40cc-86f4-87c66c0fdfbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_3a376cdf-da50-4e0f-99f8-c1f1197b0e6d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_8307106d-9941-4542-815a-6007d4de7566" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_3a376cdf-da50-4e0f-99f8-c1f1197b0e6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_62309ecc-630f-4efb-9096-b48d6856350c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParentAbstract_8307106d-9941-4542-815a-6007d4de7566" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_62309ecc-630f-4efb-9096-b48d6856350c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLossReclassificationsOutofAccumulatedOtherComprehensiveIncomeDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#OtherComprehensiveIncomeLossReclassificationsOutofAccumulatedOtherComprehensiveIncomeDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLossReclassificationsOutofAccumulatedOtherComprehensiveIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_4ed650c1-9146-4a7e-9be6-ffb612906940" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_416eaa4f-2806-49fa-adde-ba1ce24e9854" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_4ed650c1-9146-4a7e-9be6-ffb612906940" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_416eaa4f-2806-49fa-adde-ba1ce24e9854" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_9ecedb9c-ae9b-49c9-8bfa-feac8b639ea8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_416eaa4f-2806-49fa-adde-ba1ce24e9854" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_9ecedb9c-ae9b-49c9-8bfa-feac8b639ea8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_1c139ad1-730b-4f72-b22e-e975fcfe662f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_9ecedb9c-ae9b-49c9-8bfa-feac8b639ea8" xlink:to="loc_us-gaap_EquityComponentDomain_1c139ad1-730b-4f72-b22e-e975fcfe662f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_7a43dff4-dcc1-4ed6-a64a-0f7715f41bbb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_1c139ad1-730b-4f72-b22e-e975fcfe662f" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_7a43dff4-dcc1-4ed6-a64a-0f7715f41bbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_2e5d3d5f-a462-4be3-b5cb-5a4918d87192" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_416eaa4f-2806-49fa-adde-ba1ce24e9854" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_2e5d3d5f-a462-4be3-b5cb-5a4918d87192" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_8449926e-8c5e-40b2-8ca9-083102d8113e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_2e5d3d5f-a462-4be3-b5cb-5a4918d87192" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_8449926e-8c5e-40b2-8ca9-083102d8113e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_d27ce131-3e03-42d9-8ef2-8dd31d490067" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_8449926e-8c5e-40b2-8ca9-083102d8113e" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_d27ce131-3e03-42d9-8ef2-8dd31d490067" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_e7379b6e-4978-44cf-9937-997c9886eeb1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_416eaa4f-2806-49fa-adde-ba1ce24e9854" xlink:to="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_e7379b6e-4978-44cf-9937-997c9886eeb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_15ab93a4-e52d-4a52-955a-1cb6175be120" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtAndEquitySecuritiesRealizedGainLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_e7379b6e-4978-44cf-9937-997c9886eeb1" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_15ab93a4-e52d-4a52-955a-1cb6175be120" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_04580d47-bfa1-4ffe-988a-28862244cb9e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_e7379b6e-4978-44cf-9937-997c9886eeb1" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_04580d47-bfa1-4ffe-988a-28862244cb9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_ff5ec4ba-7393-4c0a-a41f-035602557f6f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_e7379b6e-4978-44cf-9937-997c9886eeb1" xlink:to="loc_us-gaap_NetIncomeLoss_ff5ec4ba-7393-4c0a-a41f-035602557f6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CommitmentsandContingenciesDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#CommitmentsandContingenciesDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/CommitmentsandContingenciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_57c7c553-e6ba-44cc-8c32-513805a3bc23" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRetentionPolicyTable_731dd2a3-6216-43c9-bb88-4610a675644d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceRetentionPolicyTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_57c7c553-e6ba-44cc-8c32-513805a3bc23" xlink:to="loc_us-gaap_ReinsuranceRetentionPolicyTable_731dd2a3-6216-43c9-bb88-4610a675644d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceContractAxis_0e09835d-f945-428d-a08f-2227b9757f16" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceContractAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReinsuranceRetentionPolicyTable_731dd2a3-6216-43c9-bb88-4610a675644d" xlink:to="loc_us-gaap_ReinsuranceContractAxis_0e09835d-f945-428d-a08f-2227b9757f16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRetentionPolicyLineItems_f346329b-8cb6-4864-9a73-c5cd5b6975ea" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceRetentionPolicyLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReinsuranceRetentionPolicyTable_731dd2a3-6216-43c9-bb88-4610a675644d" xlink:to="loc_us-gaap_ReinsuranceRetentionPolicyLineItems_f346329b-8cb6-4864-9a73-c5cd5b6975ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentDueInNextTwelveMonths_3b16e3dc-1823-4727-b1f2-6905a5d5d180" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherCommitmentDueInNextTwelveMonths"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReinsuranceRetentionPolicyLineItems_f346329b-8cb6-4864-9a73-c5cd5b6975ea" xlink:to="loc_us-gaap_OtherCommitmentDueInNextTwelveMonths_3b16e3dc-1823-4727-b1f2-6905a5d5d180" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentDueInSecondYear_0e48ed97-69a0-4e3a-949c-b186528b700f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherCommitmentDueInSecondYear"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReinsuranceRetentionPolicyLineItems_f346329b-8cb6-4864-9a73-c5cd5b6975ea" xlink:to="loc_us-gaap_OtherCommitmentDueInSecondYear_0e48ed97-69a0-4e3a-949c-b186528b700f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentDueInThirdYear_e5a6a313-9a06-48af-9dd1-663084d0d200" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherCommitmentDueInThirdYear"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReinsuranceRetentionPolicyLineItems_f346329b-8cb6-4864-9a73-c5cd5b6975ea" xlink:to="loc_us-gaap_OtherCommitmentDueInThirdYear_e5a6a313-9a06-48af-9dd1-663084d0d200" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsAssetsMeasuredforatFairValueonRecurringBasisDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#FairValueMeasurementsAssetsMeasuredforatFairValueonRecurringBasisDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsAssetsMeasuredforatFairValueonRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_197fef77-a56b-4c85-b9dd-fcd3bbf18fe5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8312bdc9-28c9-41b9-91ae-5c88a4152bbe" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_197fef77-a56b-4c85-b9dd-fcd3bbf18fe5" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8312bdc9-28c9-41b9-91ae-5c88a4152bbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_6fa7b818-1b4f-408b-b2c1-f16dbf055a9a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8312bdc9-28c9-41b9-91ae-5c88a4152bbe" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_6fa7b818-1b4f-408b-b2c1-f16dbf055a9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_fdd7e2b5-a798-4ca3-abd3-be63058d0669" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_6fa7b818-1b4f-408b-b2c1-f16dbf055a9a" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_fdd7e2b5-a798-4ca3-abd3-be63058d0669" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_e85f0adc-000f-4900-93b5-d4f978b73bf9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_fdd7e2b5-a798-4ca3-abd3-be63058d0669" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_e85f0adc-000f-4900-93b5-d4f978b73bf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_c336d4ef-202c-4b53-82a8-c35f7c2231c7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_fdd7e2b5-a798-4ca3-abd3-be63058d0669" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_c336d4ef-202c-4b53-82a8-c35f7c2231c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_00d50090-f4f3-4571-a6db-b4be4a69687f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_fdd7e2b5-a798-4ca3-abd3-be63058d0669" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_00d50090-f4f3-4571-a6db-b4be4a69687f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_2352bab1-3a9c-4a3e-ae2d-af8d4cae2336" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8312bdc9-28c9-41b9-91ae-5c88a4152bbe" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_2352bab1-3a9c-4a3e-ae2d-af8d4cae2336" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_4ad6fd66-20b9-4a43-9a4d-f40d76512637" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_2352bab1-3a9c-4a3e-ae2d-af8d4cae2336" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_4ad6fd66-20b9-4a43-9a4d-f40d76512637" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_fd2c18c0-0d1f-4c5b-ac38-6ce2a80fba6f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_4ad6fd66-20b9-4a43-9a4d-f40d76512637" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_fd2c18c0-0d1f-4c5b-ac38-6ce2a80fba6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_a39d91f6-76e1-4795-9c1a-3be47f80eca6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8312bdc9-28c9-41b9-91ae-5c88a4152bbe" xlink:to="loc_us-gaap_FinancialInstrumentAxis_a39d91f6-76e1-4795-9c1a-3be47f80eca6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6643dac-18e6-4aa4-b18a-b2844555839b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_a39d91f6-76e1-4795-9c1a-3be47f80eca6" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6643dac-18e6-4aa4-b18a-b2844555839b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_35162c3d-9ad2-4ba4-96a7-0d37153ecda3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6643dac-18e6-4aa4-b18a-b2844555839b" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_35162c3d-9ad2-4ba4-96a7-0d37153ecda3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_d6675e88-41b0-4bd3-ab01-c214cf2dacb9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6643dac-18e6-4aa4-b18a-b2844555839b" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_d6675e88-41b0-4bd3-ab01-c214cf2dacb9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_MortgageBackedAndAssetBackedSecuritiesMember_eebf5c22-b0cb-4deb-9e5e-f415839efac3" xlink:href="uve-20240930.xsd#uve_MortgageBackedAndAssetBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6643dac-18e6-4aa4-b18a-b2844555839b" xlink:to="loc_uve_MortgageBackedAndAssetBackedSecuritiesMember_eebf5c22-b0cb-4deb-9e5e-f415839efac3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_5fa8bcb0-02a8-45c1-8f93-1ec0f09bf7e7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6643dac-18e6-4aa4-b18a-b2844555839b" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_5fa8bcb0-02a8-45c1-8f93-1ec0f09bf7e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RedeemablePreferredStockMember_feecdf5f-850e-49b2-9151-01597d0322eb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RedeemablePreferredStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6643dac-18e6-4aa4-b18a-b2844555839b" xlink:to="loc_us-gaap_RedeemablePreferredStockMember_feecdf5f-850e-49b2-9151-01597d0322eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_bc067011-61c3-4ca7-871d-bb587a176a0c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6643dac-18e6-4aa4-b18a-b2844555839b" xlink:to="loc_us-gaap_CommonStockMember_bc067011-61c3-4ca7-871d-bb587a176a0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_ab916e73-51e6-4ae4-9bc9-23d2059f246f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MutualFundMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e6643dac-18e6-4aa4-b18a-b2844555839b" xlink:to="loc_us-gaap_MutualFundMember_ab916e73-51e6-4ae4-9bc9-23d2059f246f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_72decf50-ab52-469f-91ab-590784e23ecf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8312bdc9-28c9-41b9-91ae-5c88a4152bbe" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_72decf50-ab52-469f-91ab-590784e23ecf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_37bea3bd-c460-4fd5-ba1b-da36d9236cf6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_72decf50-ab52-469f-91ab-590784e23ecf" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_37bea3bd-c460-4fd5-ba1b-da36d9236cf6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_8002ed6b-36ce-435b-8c7c-f865b0fe513d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_72decf50-ab52-469f-91ab-590784e23ecf" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_8002ed6b-36ce-435b-8c7c-f865b0fe513d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedAtFairValue_7864dd3d-a209-491d-9899-2a3bc24146c0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentOwnedAtFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_72decf50-ab52-469f-91ab-590784e23ecf" xlink:to="loc_us-gaap_InvestmentOwnedAtFairValue_7864dd3d-a209-491d-9899-2a3bc24146c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_38bdce8a-2d40-4013-999b-3af0f0197fa1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_72decf50-ab52-469f-91ab-590784e23ecf" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_38bdce8a-2d40-4013-999b-3af0f0197fa1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsLevel3AssetsDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#FairValueMeasurementsLevel3AssetsDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsLevel3AssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_6b770b9f-fd00-49bc-90d6-02098eb3d820" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_54e11046-996e-4343-8ba7-b19fe450129c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_6b770b9f-fd00-49bc-90d6-02098eb3d820" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_54e11046-996e-4343-8ba7-b19fe450129c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_bf14eaa0-a58f-42f1-9295-4f12d7377c09" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_54e11046-996e-4343-8ba7-b19fe450129c" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_bf14eaa0-a58f-42f1-9295-4f12d7377c09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1c5f1061-2fdf-4fe8-8338-a71765a304c6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_bf14eaa0-a58f-42f1-9295-4f12d7377c09" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1c5f1061-2fdf-4fe8-8338-a71765a304c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_1db26f4d-2d8b-47cb-9217-2870e3516b61" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1c5f1061-2fdf-4fe8-8338-a71765a304c6" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_1db26f4d-2d8b-47cb-9217-2870e3516b61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_02b4e227-df8d-4530-9248-bb8e91c84640" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_54e11046-996e-4343-8ba7-b19fe450129c" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_02b4e227-df8d-4530-9248-bb8e91c84640" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_7a7295de-0aa0-4a23-b938-a4dd0549c72b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_02b4e227-df8d-4530-9248-bb8e91c84640" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_7a7295de-0aa0-4a23-b938-a4dd0549c72b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_41e7f976-cf52-43cd-ac41-ecfb4d93eb2a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_7a7295de-0aa0-4a23-b938-a4dd0549c72b" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_41e7f976-cf52-43cd-ac41-ecfb4d93eb2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_f26733da-a5cb-492b-bd4b-05d7b2e48404" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_54e11046-996e-4343-8ba7-b19fe450129c" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_f26733da-a5cb-492b-bd4b-05d7b2e48404" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_fff6ec6e-9651-4879-a652-15ce4179816d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_f26733da-a5cb-492b-bd4b-05d7b2e48404" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_fff6ec6e-9651-4879-a652-15ce4179816d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputEbitdaMultipleMember_26ea3806-bee4-4fdc-8210-92e9af5b1e5c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MeasurementInputEbitdaMultipleMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_fff6ec6e-9651-4879-a652-15ce4179816d" xlink:to="loc_us-gaap_MeasurementInputEbitdaMultipleMember_26ea3806-bee4-4fdc-8210-92e9af5b1e5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_de1383b9-524d-456b-9233-eff7ae11c062" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_54e11046-996e-4343-8ba7-b19fe450129c" xlink:to="loc_us-gaap_ValuationTechniqueAxis_de1383b9-524d-456b-9233-eff7ae11c062" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_e2c57fae-db12-4801-8cbb-fb0d04632e47" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueAxis_de1383b9-524d-456b-9233-eff7ae11c062" xlink:to="loc_us-gaap_ValuationTechniqueDomain_e2c57fae-db12-4801-8cbb-fb0d04632e47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketApproachValuationTechniqueMember_800cd504-9105-4eb0-90fb-f93df7e20435" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_MarketApproachValuationTechniqueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_e2c57fae-db12-4801-8cbb-fb0d04632e47" xlink:to="loc_us-gaap_MarketApproachValuationTechniqueMember_800cd504-9105-4eb0-90fb-f93df7e20435" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_4832556c-7a86-4b1c-a124-61bbecd93082" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_54e11046-996e-4343-8ba7-b19fe450129c" xlink:to="loc_srt_RangeAxis_4832556c-7a86-4b1c-a124-61bbecd93082" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_f6b6152a-5b4c-4f1e-aead-a9ceeeb6db01" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_4832556c-7a86-4b1c-a124-61bbecd93082" xlink:to="loc_srt_RangeMember_f6b6152a-5b4c-4f1e-aead-a9ceeeb6db01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_d4d271dc-b583-429d-bd50-77c08739d717" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_f6b6152a-5b4c-4f1e-aead-a9ceeeb6db01" xlink:to="loc_srt_WeightedAverageMember_d4d271dc-b583-429d-bd50-77c08739d717" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_f71a6f1f-f6fd-4a94-a301-57c8daad80d5" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MinimumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_f6b6152a-5b4c-4f1e-aead-a9ceeeb6db01" xlink:to="loc_srt_MinimumMember_f71a6f1f-f6fd-4a94-a301-57c8daad80d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_0b2ed073-39e7-4afc-863d-5cae5a79e02d" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_MaximumMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_f6b6152a-5b4c-4f1e-aead-a9ceeeb6db01" xlink:to="loc_srt_MaximumMember_0b2ed073-39e7-4afc-863d-5cae5a79e02d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_dfcdcd40-a190-43fb-9e34-992876607020" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_54e11046-996e-4343-8ba7-b19fe450129c" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_dfcdcd40-a190-43fb-9e34-992876607020" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedAtFairValue_f65cf3cb-6a1f-4c84-8e25-d374a1bf1696" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentOwnedAtFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_dfcdcd40-a190-43fb-9e34-992876607020" xlink:to="loc_us-gaap_InvestmentOwnedAtFairValue_f65cf3cb-6a1f-4c84-8e25-d374a1bf1696" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentCompanyInvestmentOwnedFairValueMeasurementInput_b762ad2f-c352-41c8-932d-6e295e28d02c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentCompanyInvestmentOwnedFairValueMeasurementInput"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_dfcdcd40-a190-43fb-9e34-992876607020" xlink:to="loc_us-gaap_InvestmentCompanyInvestmentOwnedFairValueMeasurementInput_b762ad2f-c352-41c8-932d-6e295e28d02c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsNarrativeDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#FairValueMeasurementsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_bfc35d57-f1e9-4514-9e32-23ac540d6e45" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_OtherInvestmentsFinancialInformationLagPeriod_9fbc97ee-9101-4364-8455-505bd961963b" xlink:href="uve-20240930.xsd#uve_OtherInvestmentsFinancialInformationLagPeriod"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_bfc35d57-f1e9-4514-9e32-23ac540d6e45" xlink:to="loc_uve_OtherInvestmentsFinancialInformationLagPeriod_9fbc97ee-9101-4364-8455-505bd961963b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_OtherInvestmentsRecognitionOfEarningsLossesDelayPeriod_c2b9f151-f8cd-4cba-9f58-c00e8bf3786e" xlink:href="uve-20240930.xsd#uve_OtherInvestmentsRecognitionOfEarningsLossesDelayPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_bfc35d57-f1e9-4514-9e32-23ac540d6e45" xlink:to="loc_uve_OtherInvestmentsRecognitionOfEarningsLossesDelayPeriod_c2b9f151-f8cd-4cba-9f58-c00e8bf3786e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsSummarizesCarryingValueandEstimatedFairValuesofFinancialInstrumentsnotCarriedatFairValueDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#FairValueMeasurementsSummarizesCarryingValueandEstimatedFairValuesofFinancialInstrumentsnotCarriedatFairValueDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsSummarizesCarryingValueandEstimatedFairValuesofFinancialInstrumentsnotCarriedatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_4f076480-207b-4414-9f38-5e68f8ad91b8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6a20c738-0207-4b43-b9c2-195f5b2a791e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_4f076480-207b-4414-9f38-5e68f8ad91b8" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6a20c738-0207-4b43-b9c2-195f5b2a791e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_fdddf833-3b30-4061-a3f3-f6039bdd9589" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6a20c738-0207-4b43-b9c2-195f5b2a791e" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_fdddf833-3b30-4061-a3f3-f6039bdd9589" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_562827d7-e28e-41c7-8569-7b9b34c25596" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_fdddf833-3b30-4061-a3f3-f6039bdd9589" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_562827d7-e28e-41c7-8569-7b9b34c25596" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_SurplusNoteMember_3fd1a37b-3bb5-41f1-987f-fa19986a0276" xlink:href="uve-20240930.xsd#uve_SurplusNoteMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_562827d7-e28e-41c7-8569-7b9b34c25596" xlink:to="loc_uve_SurplusNoteMember_3fd1a37b-3bb5-41f1-987f-fa19986a0276" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_SeniorUnsecuredFixedRateNotesMember_61b20a6e-9466-4f43-b714-3ce1312a067f" xlink:href="uve-20240930.xsd#uve_SeniorUnsecuredFixedRateNotesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_562827d7-e28e-41c7-8569-7b9b34c25596" xlink:to="loc_uve_SeniorUnsecuredFixedRateNotesMember_61b20a6e-9466-4f43-b714-3ce1312a067f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_c8e1b382-5b4b-4531-a992-9fb5b9e8777e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6a20c738-0207-4b43-b9c2-195f5b2a791e" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_c8e1b382-5b4b-4531-a992-9fb5b9e8777e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_0d69013c-f0ec-490f-82ce-e2eff21739e4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_c8e1b382-5b4b-4531-a992-9fb5b9e8777e" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_0d69013c-f0ec-490f-82ce-e2eff21739e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_SurplusNoteMember_70f05551-e366-4ecc-9f93-fba2f1883470" xlink:href="uve-20240930.xsd#uve_SurplusNoteMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_0d69013c-f0ec-490f-82ce-e2eff21739e4" xlink:to="loc_uve_SurplusNoteMember_70f05551-e366-4ecc-9f93-fba2f1883470" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebtMember_d1170886-fcf2-4724-9ab8-0240b187f965" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_UnsecuredDebtMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_0d69013c-f0ec-490f-82ce-e2eff21739e4" xlink:to="loc_us-gaap_UnsecuredDebtMember_d1170886-fcf2-4724-9ab8-0240b187f965" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_cbd36cb3-f857-4065-bc2a-22ba4f41437f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6a20c738-0207-4b43-b9c2-195f5b2a791e" xlink:to="loc_us-gaap_DebtInstrumentAxis_cbd36cb3-f857-4065-bc2a-22ba4f41437f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_11fbd226-f77e-4939-8e90-c0ca03274903" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_cbd36cb3-f857-4065-bc2a-22ba4f41437f" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_11fbd226-f77e-4939-8e90-c0ca03274903" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_A5625SeniorUnsecuredNotesDue2026Member_a1444be6-a621-4913-b639-8482c0d41f04" xlink:href="uve-20240930.xsd#uve_A5625SeniorUnsecuredNotesDue2026Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_11fbd226-f77e-4939-8e90-c0ca03274903" xlink:to="loc_uve_A5625SeniorUnsecuredNotesDue2026Member_a1444be6-a621-4913-b639-8482c0d41f04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_73c39d20-713e-4f05-b49b-678a2426c91b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_6a20c738-0207-4b43-b9c2-195f5b2a791e" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_73c39d20-713e-4f05-b49b-678a2426c91b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_d7a40980-094b-4a19-84f9-426d12ef8675" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_73c39d20-713e-4f05-b49b-678a2426c91b" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_d7a40980-094b-4a19-84f9-426d12ef8675" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_ce7eb2bd-93d1-4268-9c51-7012b889b1f9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_73c39d20-713e-4f05-b49b-678a2426c91b" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_ce7eb2bd-93d1-4268-9c51-7012b889b1f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_e7992cf5-9317-4b5b-83ba-a099d4a4abec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_73c39d20-713e-4f05-b49b-678a2426c91b" xlink:to="loc_us-gaap_LongTermDebtFairValue_e7992cf5-9317-4b5b-83ba-a099d4a4abec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/VariableInterestEntitiesNarrativeDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#VariableInterestEntitiesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/VariableInterestEntitiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_161620de-8aac-4130-9d4b-0d9e06ea0985" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_2951add0-117c-4f78-bbec-975719bce466" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_161620de-8aac-4130-9d4b-0d9e06ea0985" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_2951add0-117c-4f78-bbec-975719bce466" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForCatastropheClaimsByCatastrophicEventAxis_3a195cf6-418d-407c-840d-c4e169f8c05e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilityForCatastropheClaimsByCatastrophicEventAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_2951add0-117c-4f78-bbec-975719bce466" xlink:to="loc_us-gaap_LiabilityForCatastropheClaimsByCatastrophicEventAxis_3a195cf6-418d-407c-840d-c4e169f8c05e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CatastrophicEventDomain_8f03fdc1-6078-4337-afdb-ea63e128a723" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CatastrophicEventDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForCatastropheClaimsByCatastrophicEventAxis_3a195cf6-418d-407c-840d-c4e169f8c05e" xlink:to="loc_us-gaap_CatastrophicEventDomain_8f03fdc1-6078-4337-afdb-ea63e128a723" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_HurricaneHeleneMember_9f028020-1fc3-48fb-a2f3-da753a91271f" xlink:href="uve-20240930.xsd#uve_HurricaneHeleneMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CatastrophicEventDomain_8f03fdc1-6078-4337-afdb-ea63e128a723" xlink:to="loc_uve_HurricaneHeleneMember_9f028020-1fc3-48fb-a2f3-da753a91271f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_6ebd2b37-65bb-484a-9ecb-3a6e4deb2a7e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_2951add0-117c-4f78-bbec-975719bce466" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_6ebd2b37-65bb-484a-9ecb-3a6e4deb2a7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_5574ee75-25da-44ca-b25a-34bab60ceddf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_6ebd2b37-65bb-484a-9ecb-3a6e4deb2a7e" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_5574ee75-25da-44ca-b25a-34bab60ceddf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/VariableInterestEntitiesScheduleofVariableInterestEntitiesDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#VariableInterestEntitiesScheduleofVariableInterestEntitiesDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/VariableInterestEntitiesScheduleofVariableInterestEntitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_b96439a5-df51-4e31-90c7-ed9f2f353d05" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1fb36612-2a11-4ca8-bc5f-ae104fe92049" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_b96439a5-df51-4e31-90c7-ed9f2f353d05" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1fb36612-2a11-4ca8-bc5f-ae104fe92049" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_9c8f9705-2adf-4a40-a329-9af87cca3dd2" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1fb36612-2a11-4ca8-bc5f-ae104fe92049" xlink:to="loc_srt_ConsolidatedEntitiesAxis_9c8f9705-2adf-4a40-a329-9af87cca3dd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_dc7a2329-0e56-4615-80a0-98db001d3475" xlink:href="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_9c8f9705-2adf-4a40-a329-9af87cca3dd2" xlink:to="loc_srt_ConsolidatedEntitiesDomain_dc7a2329-0e56-4615-80a0-98db001d3475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_4d82d8ce-764a-49d2-ae16-d4b5ed6d2c49" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_dc7a2329-0e56-4615-80a0-98db001d3475" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_4d82d8ce-764a-49d2-ae16-d4b5ed6d2c49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_1bb59202-83d3-492d-8ec8-4b1be4a04ec8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_1fb36612-2a11-4ca8-bc5f-ae104fe92049" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_1bb59202-83d3-492d-8ec8-4b1be4a04ec8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_8022dfcb-4367-4501-beeb-f662ca3436a7" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_1bb59202-83d3-492d-8ec8-4b1be4a04ec8" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_8022dfcb-4367-4501-beeb-f662ca3436a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/SubsequentEventsDetails" xlink:type="simple" xlink:href="uve-20240930.xsd#SubsequentEventsDetails"/>
  <link:presentationLink xlink:role="http://www.universalinsuranceholdings.com/role/SubsequentEventsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract_368c6909-df8a-40db-b063-8faabf192141" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable_5077456b-18dc-453d-b9d7-c902ec5c8ba9" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_368c6909-df8a-40db-b063-8faabf192141" xlink:to="loc_us-gaap_SubsequentEventTable_5077456b-18dc-453d-b9d7-c902ec5c8ba9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_a6b8dce8-f680-442c-8aa9-3b7e2bef84de" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_5077456b-18dc-453d-b9d7-c902ec5c8ba9" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_a6b8dce8-f680-442c-8aa9-3b7e2bef84de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_1e59ed3d-afae-4688-8c56-e5a3913fd437" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_a6b8dce8-f680-442c-8aa9-3b7e2bef84de" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_1e59ed3d-afae-4688-8c56-e5a3913fd437" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_f32cc160-25fd-48c8-9bdd-359d885d0961" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_1e59ed3d-afae-4688-8c56-e5a3913fd437" xlink:to="loc_us-gaap_SubsequentEventMember_f32cc160-25fd-48c8-9bdd-359d885d0961" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventLineItems_e01500a0-d083-4240-aad2-fc1ebdaa6d1c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SubsequentEventLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_5077456b-18dc-453d-b9d7-c902ec5c8ba9" xlink:to="loc_us-gaap_SubsequentEventLineItems_e01500a0-d083-4240-aad2-fc1ebdaa6d1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRetentionAmountRetainedPerEvent_e288090f-b95c-42b1-b4a0-1b0ae8007599" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ReinsuranceRetentionAmountRetainedPerEvent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_e01500a0-d083-4240-aad2-fc1ebdaa6d1c" xlink:to="loc_us-gaap_ReinsuranceRetentionAmountRetainedPerEvent_e288090f-b95c-42b1-b4a0-1b0ae8007599" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#AwardTimingDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_us-gaap_AwardTypeAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_EmployeeStockOptionMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PerformanceSharesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_PerformanceSharesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardExrcPrice"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardExrcPrice" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AwardGrantDateFairValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardGrantDateFairValue" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ErrCompDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ErrCompRecoveryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompRecoveryTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDateAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_RestatementDateAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonNeosMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_ecd_NonNeosMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDeterminationDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDeterminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtErrCompAmt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#PvpDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PvpTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_ExecutiveCategoryAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="loc_ecd_AllExecutiveCategoriesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_PeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_NonPeoNeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToCompAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_AdjToCompAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllAdjToCompMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="loc_ecd_AllAdjToCompMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AggtPnsnAdjsSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MeasureAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_MeasureAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PvpTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CoSelectedMeasureName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoTotalCompAmt"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TabularListTableTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TabularListTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_us-gaap_NetIncomeLoss" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_OtherPerfMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AdjToCompAmt"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PeoName"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MeasureName"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_MeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_PnsnBnftsAdjFnTextBlock"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#InsiderTradingArrangements"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TradingArrByIndTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TradingArrByIndTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TradingArrAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_TradingArrAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllTradingArrangementsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrAxis" xlink:to="loc_ecd_AllTradingArrangementsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrIndName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrIndTitle"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndTitle" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrAdoptionDate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrAdoptionDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrTerminationDate"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrTerminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrExpirationDate"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrExpirationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrDuration"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrDuration" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#InsiderTradingPoliciesProc"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
